Home > The First National Bank of Moose Lake > Performance and Condition Ratios
The First National Bank of Moose Lake, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 2,102 |
| Cost of funding earning assets | 1.3598% | 2,332 |
| Net interest margin | 3.6240% | 1,920 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.6400% | 1,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2261% | 1,587 |
| Return on assets (ROA) | 1.2261% | 1,562 |
| Pretax return on assets | 1.2261% | 2,073 |
| Return on Equity (ROE) | 11.6100% | 2,061 |
| Retained earnings to average equity (ytd only) | 7.3572% | 1,773 |
| Net charge-offs to loans | 0.0305% | 1,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 58.2593% | 1,202 |
| Efficiency ratio | 68.2863% | 2,074 |
| Assets per employee ($millions) | 4.8496% | 3,740 |
| Cash dividends to net income (ytd only)* | 36.6179% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 2,609 |
| Loan loss allowance to noncurrent loans | 1,172.7273% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 2,161 |
| Noncurrent loans to loans | 0.0971% | 3,053 |
| Net loans and leases to total assets | 65.9500% | 2,260 |
| Net loans and leases to deposits | 78.7311% | 2,212 |
| Net loans and leases to core deposits | 98.8019% | 1,501 |
| Total domestic deposits to total assets | 83.7700% | 2,684 |
| Equity capital to assets | 11.1827% | 1,403 |
| Core capital (leverage) ratio | 14.1273% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $128,294,600 | 3,568 |
| Average earning assets | $124,724,200 | 3,493 |
| Average equity | $13,551,400 | 3,377 |
| Average total loans | $88,402,800 | 3,310 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 2,203 |
| Cost of funding earning assets | 1.2242% | 2,352 |
| Net interest margin | 3.6064% | 1,995 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.8033% | 1,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0515% | 2,213 |
| Return on assets (ROA) | 1.0515% | 2,201 |
| Pretax return on assets | 1.0515% | 2,707 |
| Return on Equity (ROE) | 10.1100% | 2,606 |
| Retained earnings to average equity (ytd only) | 5.8128% | 2,686 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.7223% | 1,481 |
| Assets per employee ($millions) | 5.0457% | 3,572 |
| Cash dividends to net income (ytd only)* | 42.5276% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,532 |
| Loan loss allowance to noncurrent loans | 889.9160% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 1,984 |
| Noncurrent loans to loans | 0.1311% | 2,899 |
| Net loans and leases to total assets | 68.3700% | 2,007 |
| Net loans and leases to deposits | 80.2879% | 2,021 |
| Net loans and leases to core deposits | 102.8011% | 1,174 |
| Total domestic deposits to total assets | 85.1600% | 2,453 |
| Equity capital to assets | 9.5122% | 2,087 |
| Core capital (leverage) ratio | 14.2607% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $126,420,750 | 3,600 |
| Average earning assets | $122,962,750 | 3,517 |
| Average equity | $13,143,000 | 3,407 |
| Average total loans | $87,855,750 | 3,321 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 2,276 |
| Cost of funding earning assets | 1.0754% | 2,363 |
| Net interest margin | 3.5885% | 2,063 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.8198% | 1,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0622% | 2,228 |
| Return on assets (ROA) | 1.0622% | 2,225 |
| Pretax return on assets | 1.0622% | 2,743 |
| Return on Equity (ROE) | 9.9200% | 2,722 |
| Retained earnings to average equity (ytd only) | 5.8514% | 2,678 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.6372% | 1,494 |
| Assets per employee ($millions) | 4.7393% | 3,798 |
| Cash dividends to net income (ytd only)* | 41.0256% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,331 |
| Loan loss allowance to noncurrent loans | 458.4416% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 1,508 |
| Noncurrent loans to loans | 0.2666% | 2,206 |
| Net loans and leases to total assets | 66.8800% | 2,068 |
| Net loans and leases to deposits | 83.4943% | 1,720 |
| Net loans and leases to core deposits | 102.1754% | 1,122 |
| Total domestic deposits to total assets | 80.1000% | 3,568 |
| Equity capital to assets | 10.5627% | 1,566 |
| Core capital (leverage) ratio | 14.6788% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $124,831,333 | 3,629 |
| Average earning assets | $121,442,667 | 3,547 |
| Average equity | $13,364,333 | 3,401 |
| Average total loans | $86,889,333 | 3,336 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 2,051 |
| Cost of funding earning assets | 0.9162% | 2,321 |
| Net interest margin | 3.6982% | 1,904 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.8426% | 1,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1422% | 2,092 |
| Return on assets (ROA) | 1.1422% | 2,058 |
| Pretax return on assets | 1.1422% | 2,590 |
| Return on Equity (ROE) | 10.6000% | 2,605 |
| Retained earnings to average equity (ytd only) | 6.9835% | 2,497 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3355% | 1,595 |
| Assets per employee ($millions) | 4.5320% | 4,007 |
| Cash dividends to net income (ytd only)* | 34.0909% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,395 |
| Loan loss allowance to noncurrent loans | 226.2821% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 1,350 |
| Noncurrent loans to loans | 0.5433% | 1,360 |
| Net loans and leases to total assets | 69.5300% | 1,670 |
| Net loans and leases to deposits | 79.1958% | 1,879 |
| Net loans and leases to core deposits | 99.0812% | 1,132 |
| Total domestic deposits to total assets | 87.8000% | 1,988 |
| Equity capital to assets | 11.1871% | 1,273 |
| Core capital (leverage) ratio | 14.5762% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $123,267,000 | 3,692 |
| Average earning assets | $120,059,000 | 3,607 |
| Average equity | $13,288,500 | 3,446 |
| Average total loans | $87,017,000 | 3,367 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 849 |
| Cost of funding earning assets | 0.3741% | 2,299 |
| Net interest margin | 4.0436% | 732 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.9031% | 1,119 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.4092% | 1,110 |
| Return on assets (ROA) | 1.4092% | 1,069 |
| Pretax return on assets | 1.4092% | 1,741 |
| Return on Equity (ROE) | 12.6100% | 1,934 |
| Retained earnings to average equity (ytd only) | 8.3203% | 1,713 |
| Net charge-offs to loans | 0.1853% | 444 |
| Credit loss provision to net charge-offs | 46.5409% | 1,835 |
| Earnings coverage of net charge-offs (x) | 11.5535% | 2,145 |
| Efficiency ratio | 66.4107% | 2,163 |
| Assets per employee ($millions) | 4.5989% | 3,969 |
| Cash dividends to net income (ytd only)* | 34.0329% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 3,283 |
| Loan loss allowance to noncurrent loans | 168.9394% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 1,209 |
| Noncurrent loans to loans | 0.6007% | 1,246 |
| Net loans and leases to total assets | 70.0700% | 1,636 |
| Net loans and leases to deposits | 78.4716% | 1,896 |
| Net loans and leases to core deposits | 92.8091% | 1,351 |
| Total domestic deposits to total assets | 89.2900% | 1,639 |
| Equity capital to assets | 10.3793% | 1,516 |
| Core capital (leverage) ratio | 14.3991% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $125,108,000 | 3,685 |
| Average earning assets | $121,625,000 | 3,599 |
| Average equity | $13,977,800 | 3,470 |
| Average total loans | $85,815,600 | 3,336 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3403% | 669 |
| Cost of funding earning assets | 0.2934% | 2,242 |
| Net interest margin | 4.0469% | 584 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.8923% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4977% | 861 |
| Return on assets (ROA) | 1.4977% | 839 |
| Pretax return on assets | 1.4977% | 1,414 |
| Return on Equity (ROE) | 13.1700% | 1,652 |
| Retained earnings to average equity (ytd only) | 9.0569% | 1,631 |
| Net charge-offs to loans | 0.0047% | 2,016 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 469.3333% | 333 |
| Efficiency ratio | 65.8832% | 2,293 |
| Assets per employee ($millions) | 4.7292% | 3,889 |
| Cash dividends to net income (ytd only)* | 31.2500% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 3,098 |
| Loan loss allowance to noncurrent loans | 173.0018% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 1,226 |
| Noncurrent loans to loans | 0.6249% | 1,303 |
| Net loans and leases to total assets | 69.7900% | 1,496 |
| Net loans and leases to deposits | 77.3562% | 1,769 |
| Net loans and leases to core deposits | 90.8821% | 1,242 |
| Total domestic deposits to total assets | 90.2200% | 1,561 |
| Equity capital to assets | 9.5075% | 1,879 |
| Core capital (leverage) ratio | 13.8536% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $125,342,500 | 3,707 |
| Average earning assets | $121,800,750 | 3,624 |
| Average equity | $14,250,250 | 3,483 |
| Average total loans | $85,295,750 | 3,351 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 636 |
| Cost of funding earning assets | 0.2481% | 2,295 |
| Net interest margin | 3.9488% | 558 |
| Noninterest income to average assets | 0.4624% | 2,387 |
| Noninterest expense to average assets | 2.8805% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4146% | 875 |
| Return on assets (ROA) | 1.4146% | 851 |
| Pretax return on assets | 1.4146% | 1,396 |
| Return on Equity (ROE) | 11.7831% | 1,731 |
| Retained earnings to average equity (ytd only) | 8.0382% | 1,602 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0654% | 2,374 |
| Assets per employee ($millions) | 4.7238% | 3,914 |
| Cash dividends to net income (ytd only)* | 31.7821% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,976 |
| Loan loss allowance to noncurrent loans | 221.0407% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 1,556 |
| Noncurrent loans to loans | 0.5164% | 1,592 |
| Net loans and leases to total assets | 68.8981% | 1,407 |
| Net loans and leases to deposits | 77.4086% | 1,582 |
| Net loans and leases to core deposits | 91.6942% | 1,033 |
| Total domestic deposits to total assets | 89.0058% | 2,184 |
| Equity capital to assets | 10.7540% | 1,337 |
| Core capital (leverage) ratio | 14.2686% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,560,333 | 3,761 |
| Average earning assets | $120,896,000 | 3,690 |
| Average equity | $14,953,667 | 3,495 |
| Average total loans | $83,696,667 | 3,404 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 758 |
| Cost of funding earning assets | 0.2236% | 2,476 |
| Net interest margin | 3.7849% | 652 |
| Noninterest income to average assets | 0.3699% | 2,870 |
| Noninterest expense to average assets | 2.8446% | 1,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1959% | 1,255 |
| Return on assets (ROA) | 1.1959% | 1,249 |
| Pretax return on assets | 1.1959% | 1,827 |
| Return on Equity (ROE) | 9.4778% | 2,161 |
| Retained earnings to average equity (ytd only) | 6.4196% | 2,101 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4025% | 2,173 |
| Assets per employee ($millions) | 3.9713% | 4,413 |
| Cash dividends to net income (ytd only)* | 32.2667% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,869 |
| Loan loss allowance to noncurrent loans | 157.0740% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 1,188 |
| Noncurrent loans to loans | 0.7633% | 1,249 |
| Net loans and leases to total assets | 65.3976% | 1,474 |
| Net loans and leases to deposits | 74.4246% | 1,564 |
| Net loans and leases to core deposits | 85.9774% | 1,130 |
| Total domestic deposits to total assets | 87.8710% | 2,581 |
| Equity capital to assets | 11.9690% | 964 |
| Core capital (leverage) ratio | 13.6071% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,431,000 | 3,770 |
| Average earning assets | $121,641,000 | 3,694 |
| Average equity | $15,826,500 | 3,486 |
| Average total loans | $82,746,500 | 3,425 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 758 |
| Cost of funding earning assets | 0.2952% | 2,449 |
| Net interest margin | 4.0718% | 623 |
| Noninterest income to average assets | 0.5402% | 2,397 |
| Noninterest expense to average assets | 2.6116% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6859% | 650 |
| Return on assets (ROA) | 1.6245% | 792 |
| Pretax return on assets | 1.7962% | 919 |
| Return on Equity (ROE) | 12.2979% | 1,713 |
| Retained earnings to average equity (ytd only) | 5.6979% | 2,476 |
| Net charge-offs to loans | 0.0131% | 2,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 198.1667% | 549 |
| Efficiency ratio | 58.3465% | 3,387 |
| Assets per employee ($millions) | 4.7316% | 3,941 |
| Cash dividends to net income (ytd only)* | 53.6680% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 3,067 |
| Loan loss allowance to noncurrent loans | 95.0389% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 745 |
| Noncurrent loans to loans | 1.2237% | 788 |
| Net loans and leases to total assets | 64.9915% | 1,585 |
| Net loans and leases to deposits | 75.1752% | 1,628 |
| Net loans and leases to core deposits | 86.2485% | 1,188 |
| Total domestic deposits to total assets | 86.4534% | 2,732 |
| Equity capital to assets | 13.2428% | 838 |
| Core capital (leverage) ratio | 13.2498% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,545,800 | 3,709 |
| Average earning assets | $123,287,400 | 3,647 |
| Average equity | $16,848,400 | 3,478 |
| Average total loans | $91,403,600 | 3,319 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 723 |
| Cost of funding earning assets | 0.3182% | 2,419 |
| Net interest margin | 4.1386% | 609 |
| Noninterest income to average assets | 0.5752% | 2,321 |
| Noninterest expense to average assets | 2.5789% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9953% | 469 |
| Return on assets (ROA) | 1.9953% | 496 |
| Pretax return on assets | 1.9953% | 807 |
| Return on Equity (ROE) | 15.1146% | 1,118 |
| Retained earnings to average equity (ytd only) | 9.0387% | 1,675 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3786% | 3,488 |
| Assets per employee ($millions) | 4.8050% | 3,890 |
| Cash dividends to net income (ytd only)* | 40.1992% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,374 |
| Loan loss allowance to noncurrent loans | 96.2062% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 900 |
| Noncurrent loans to loans | 1.1579% | 964 |
| Net loans and leases to total assets | 67.6733% | 1,356 |
| Net loans and leases to deposits | 78.3872% | 1,449 |
| Net loans and leases to core deposits | 89.7535% | 1,048 |
| Total domestic deposits to total assets | 86.3321% | 2,621 |
| Equity capital to assets | 13.3742% | 883 |
| Core capital (leverage) ratio | 13.2825% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,494,250 | 3,748 |
| Average earning assets | $123,193,500 | 3,683 |
| Average equity | $16,831,000 | 3,523 |
| Average total loans | $93,253,250 | 3,332 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 613 |
| Cost of funding earning assets | 0.3542% | 2,276 |
| Net interest margin | 4.2558% | 530 |
| Noninterest income to average assets | 0.5791% | 2,299 |
| Noninterest expense to average assets | 2.5799% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1129% | 396 |
| Return on assets (ROA) | 2.1129% | 418 |
| Pretax return on assets | 2.1129% | 671 |
| Return on Equity (ROE) | 16.0767% | 945 |
| Retained earnings to average equity (ytd only) | 9.4971% | 1,555 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9765% | 3,681 |
| Assets per employee ($millions) | 4.4415% | 4,145 |
| Cash dividends to net income (ytd only)* | 40.9261% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,562 |
| Loan loss allowance to noncurrent loans | 95.3713% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 943 |
| Noncurrent loans to loans | 1.1183% | 1,077 |
| Net loans and leases to total assets | 73.7669% | 778 |
| Net loans and leases to deposits | 85.7284% | 935 |
| Net loans and leases to core deposits | 98.0285% | 720 |
| Total domestic deposits to total assets | 86.0472% | 2,724 |
| Equity capital to assets | 13.6850% | 785 |
| Core capital (leverage) ratio | 13.3559% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,747,333 | 3,768 |
| Average earning assets | $122,515,333 | 3,706 |
| Average equity | $16,657,667 | 3,546 |
| Average total loans | $94,742,667 | 3,327 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 723 |
| Cost of funding earning assets | 0.3813% | 2,248 |
| Net interest margin | 4.1718% | 635 |
| Noninterest income to average assets | 0.6190% | 2,133 |
| Noninterest expense to average assets | 2.5387% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1166% | 478 |
| Return on assets (ROA) | 2.1166% | 519 |
| Pretax return on assets | 2.1166% | 786 |
| Return on Equity (ROE) | 16.4350% | 938 |
| Retained earnings to average equity (ytd only) | 8.4481% | 2,109 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5332% | 3,732 |
| Assets per employee ($millions) | 4.5058% | 4,095 |
| Cash dividends to net income (ytd only)* | 48.5968% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 3,542 |
| Loan loss allowance to noncurrent loans | 141.8938% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 1,713 |
| Noncurrent loans to loans | 0.7578% | 1,721 |
| Net loans and leases to total assets | 72.1154% | 1,006 |
| Net loans and leases to deposits | 83.3140% | 1,216 |
| Net loans and leases to core deposits | 93.5183% | 1,012 |
| Total domestic deposits to total assets | 86.5587% | 2,497 |
| Equity capital to assets | 13.0458% | 899 |
| Core capital (leverage) ratio | 12.6896% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,940,000 | 3,759 |
| Average earning assets | $123,783,500 | 3,696 |
| Average equity | $16,477,000 | 3,559 |
| Average total loans | $95,750,500 | 3,329 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 821 |
| Cost of funding earning assets | 0.6591% | 1,937 |
| Net interest margin | 4.0842% | 813 |
| Noninterest income to average assets | 0.5518% | 2,414 |
| Noninterest expense to average assets | 2.5941% | 2,564 |
| Loan and lease loss provision to assets | 0.1022% | 3,050 |
| Net operating income to assets | 1.8130% | 374 |
| Return on assets (ROA) | 1.8130% | 408 |
| Pretax return on assets | 1.8130% | 669 |
| Return on Equity (ROE) | 14.5060% | 716 |
| Retained earnings to average equity (ytd only) | 8.3985% | 937 |
| Net charge-offs to loans | -0.0011% | 3,952 |
| Credit loss provision to net charge-offs | -12,700.0000% | 4,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5276% | 3,788 |
| Assets per employee ($millions) | 4.8043% | 3,603 |
| Cash dividends to net income (ytd only)* | 42.1029% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,889 |
| Loan loss allowance to noncurrent loans | 140.4830% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 1,929 |
| Noncurrent loans to loans | 0.7073% | 1,928 |
| Net loans and leases to total assets | 75.9654% | 793 |
| Net loans and leases to deposits | 87.2955% | 1,153 |
| Net loans and leases to core deposits | 100.0528% | 894 |
| Total domestic deposits to total assets | 87.0210% | 1,938 |
| Equity capital to assets | 12.7161% | 1,222 |
| Core capital (leverage) ratio | 12.1582% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,321,400 | 3,694 |
| Average earning assets | $120,464,000 | 3,619 |
| Average equity | $15,538,400 | 3,604 |
| Average total loans | $88,990,200 | 3,413 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7877% | 894 |
| Cost of funding earning assets | 0.7170% | 1,924 |
| Net interest margin | 4.0707% | 949 |
| Noninterest income to average assets | 0.5302% | 2,477 |
| Noninterest expense to average assets | 2.6217% | 2,475 |
| Loan and lease loss provision to assets | 0.0846% | 3,254 |
| Net operating income to assets | 1.7695% | 490 |
| Return on assets (ROA) | 1.7695% | 546 |
| Pretax return on assets | 1.7695% | 830 |
| Return on Equity (ROE) | 14.2226% | 833 |
| Retained earnings to average equity (ytd only) | 7.8608% | 1,353 |
| Net charge-offs to loans | -0.0046% | 4,035 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5756% | 3,588 |
| Assets per employee ($millions) | 5.0508% | 3,182 |
| Cash dividends to net income (ytd only)* | 44.7304% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,659 |
| Loan loss allowance to noncurrent loans | 131.5642% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,125 |
| Noncurrent loans to loans | 0.7683% | 1,895 |
| Net loans and leases to total assets | 67.6463% | 2,289 |
| Net loans and leases to deposits | 76.8295% | 2,674 |
| Net loans and leases to core deposits | 87.4839% | 2,191 |
| Total domestic deposits to total assets | 88.0473% | 1,204 |
| Equity capital to assets | 11.7540% | 1,843 |
| Core capital (leverage) ratio | 11.9728% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,972,500 | 3,701 |
| Average earning assets | $119,191,250 | 3,621 |
| Average equity | $15,299,250 | 3,629 |
| Average total loans | $86,355,500 | 3,480 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 660 |
| Cost of funding earning assets | 0.8173% | 1,749 |
| Net interest margin | 4.3063% | 742 |
| Noninterest income to average assets | 0.4624% | 2,752 |
| Noninterest expense to average assets | 2.7121% | 2,346 |
| Loan and lease loss provision to assets | 0.1316% | 2,702 |
| Net operating income to assets | 1.7889% | 512 |
| Return on assets (ROA) | 1.7889% | 563 |
| Pretax return on assets | 1.7889% | 830 |
| Return on Equity (ROE) | 14.0808% | 873 |
| Retained earnings to average equity (ytd only) | 7.2928% | 1,541 |
| Net charge-offs to loans | -0.0048% | 4,004 |
| Credit loss provision to net charge-offs | -3,900.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5428% | 3,621 |
| Assets per employee ($millions) | 4.6794% | 3,554 |
| Cash dividends to net income (ytd only)* | 48.2075% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,438 |
| Loan loss allowance to noncurrent loans | 134.0456% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 2,214 |
| Noncurrent loans to loans | 0.7652% | 1,969 |
| Net loans and leases to total assets | 69.2978% | 2,142 |
| Net loans and leases to deposits | 78.8742% | 2,561 |
| Net loans and leases to core deposits | 93.6891% | 1,772 |
| Total domestic deposits to total assets | 87.8586% | 1,253 |
| Equity capital to assets | 11.9460% | 1,698 |
| Core capital (leverage) ratio | 12.0171% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,506,333 | 3,742 |
| Average earning assets | $114,762,000 | 3,667 |
| Average equity | $15,056,000 | 3,652 |
| Average total loans | $84,076,667 | 3,517 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 975 |
| Cost of funding earning assets | 0.9200% | 1,769 |
| Net interest margin | 4.0773% | 1,186 |
| Noninterest income to average assets | 0.3777% | 3,248 |
| Noninterest expense to average assets | 2.8580% | 2,246 |
| Loan and lease loss provision to assets | 0.1782% | 1,670 |
| Net operating income to assets | 1.2900% | 1,268 |
| Return on assets (ROA) | 1.2900% | 1,363 |
| Pretax return on assets | 1.2900% | 1,895 |
| Return on Equity (ROE) | 9.8116% | 1,805 |
| Retained earnings to average equity (ytd only) | 1.8973% | 3,481 |
| Net charge-offs to loans | -0.0050% | 3,867 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0626% | 2,953 |
| Assets per employee ($millions) | 4.0533% | 3,849 |
| Cash dividends to net income (ytd only)* | 80.6630% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,069 |
| Loan loss allowance to noncurrent loans | 127.9102% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 2,120 |
| Noncurrent loans to loans | 0.8805% | 1,851 |
| Net loans and leases to total assets | 70.5448% | 2,162 |
| Net loans and leases to deposits | 81.2326% | 2,553 |
| Net loans and leases to core deposits | 95.6021% | 1,835 |
| Total domestic deposits to total assets | 86.8430% | 1,626 |
| Equity capital to assets | 12.9702% | 1,444 |
| Core capital (leverage) ratio | 12.9699% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,248,000 | 3,811 |
| Average earning assets | $108,700,000 | 3,733 |
| Average equity | $14,758,000 | 3,688 |
| Average total loans | $80,246,500 | 3,579 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3421% | 758 |
| Cost of funding earning assets | 0.9494% | 1,961 |
| Net interest margin | 4.3927% | 903 |
| Noninterest income to average assets | 0.5450% | 2,513 |
| Noninterest expense to average assets | 2.8671% | 2,387 |
| Loan and lease loss provision to assets | 0.0305% | 3,407 |
| Net operating income to assets | 1.8954% | 433 |
| Return on assets (ROA) | 1.8926% | 454 |
| Pretax return on assets | 1.8926% | 757 |
| Return on Equity (ROE) | 14.4522% | 805 |
| Retained earnings to average equity (ytd only) | 8.2735% | 895 |
| Net charge-offs to loans | 0.0037% | 3,545 |
| Credit loss provision to net charge-offs | 1,100.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 695.0000% | 151 |
| Efficiency ratio | 59.8188% | 3,724 |
| Assets per employee ($millions) | 4.1113% | 3,759 |
| Cash dividends to net income (ytd only)* | 42.7526% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,046 |
| Loan loss allowance to noncurrent loans | 119.0871% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 1,955 |
| Noncurrent loans to loans | 0.9092% | 1,690 |
| Net loans and leases to total assets | 70.8599% | 2,272 |
| Net loans and leases to deposits | 82.0722% | 2,551 |
| Net loans and leases to core deposits | 96.2872% | 1,879 |
| Total domestic deposits to total assets | 86.3385% | 1,915 |
| Equity capital to assets | 13.3291% | 1,351 |
| Core capital (leverage) ratio | 13.2378% | 1,140 |
| Tier 1 risk-based capital ratio | 16.6262% | 2,174 |
| Total risk-based capital ratio | 17.6395% | 2,201 |
| Memoranda: | ||
| Average total assets | $108,264,000 | 3,857 |
| Average earning assets | $104,696,800 | 3,795 |
| Average equity | $14,177,800 | 3,726 |
| Average total loans | $81,349,400 | 3,571 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4309% | 660 |
| Cost of funding earning assets | 0.9490% | 1,995 |
| Net interest margin | 4.4820% | 801 |
| Noninterest income to average assets | 0.5379% | 2,523 |
| Noninterest expense to average assets | 2.9274% | 2,171 |
| Loan and lease loss provision to assets | 0.0409% | 3,087 |
| Net operating income to assets | 1.9012% | 490 |
| Return on assets (ROA) | 1.8975% | 515 |
| Pretax return on assets | 1.8975% | 870 |
| Return on Equity (ROE) | 14.5564% | 874 |
| Retained earnings to average equity (ytd only) | 8.3098% | 1,282 |
| Net charge-offs to loans | 0.0065% | 3,149 |
| Credit loss provision to net charge-offs | 825.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 391.9850% | 253 |
| Efficiency ratio | 60.1171% | 3,625 |
| Assets per employee ($millions) | 4.0667% | 3,807 |
| Cash dividends to net income (ytd only)* | 42.9133% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,097 |
| Loan loss allowance to noncurrent loans | 169.2913% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 2,675 |
| Noncurrent loans to loans | 0.6420% | 2,361 |
| Net loans and leases to total assets | 71.2829% | 2,279 |
| Net loans and leases to deposits | 82.4693% | 2,621 |
| Net loans and leases to core deposits | 96.5843% | 1,952 |
| Total domestic deposits to total assets | 86.4356% | 1,802 |
| Equity capital to assets | 13.2256% | 1,500 |
| Core capital (leverage) ratio | 13.1909% | 1,261 |
| Tier 1 risk-based capital ratio | 16.6300% | 2,214 |
| Total risk-based capital ratio | 17.6635% | 2,230 |
| Memoranda: | ||
| Average total assets | $107,578,750 | 3,907 |
| Average earning assets | $103,969,750 | 3,846 |
| Average equity | $14,023,250 | 3,780 |
| Average total loans | $81,807,000 | 3,603 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4323% | 640 |
| Cost of funding earning assets | 0.9506% | 1,907 |
| Net interest margin | 4.4818% | 804 |
| Noninterest income to average assets | 0.4755% | 2,812 |
| Noninterest expense to average assets | 2.8773% | 2,337 |
| Loan and lease loss provision to assets | 0.0618% | 2,588 |
| Net operating income to assets | 1.8701% | 518 |
| Return on assets (ROA) | 1.8683% | 544 |
| Pretax return on assets | 1.8683% | 895 |
| Return on Equity (ROE) | 14.4043% | 897 |
| Retained earnings to average equity (ytd only) | 8.0826% | 1,357 |
| Net charge-offs to loans | 0.0145% | 2,620 |
| Credit loss provision to net charge-offs | 550.0000% | 559 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 436 |
| Efficiency ratio | 59.8287% | 3,753 |
| Assets per employee ($millions) | 4.2994% | 3,432 |
| Cash dividends to net income (ytd only)* | 43.8878% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,478 |
| Loan loss allowance to noncurrent loans | 189.4040% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.5405% | 2,390 |
| Noncurrent loans to loans | 0.5412% | 2,651 |
| Net loans and leases to total assets | 77.0794% | 1,375 |
| Net loans and leases to deposits | 89.0772% | 1,853 |
| Net loans and leases to core deposits | 108.9045% | 1,043 |
| Total domestic deposits to total assets | 86.5310% | 1,806 |
| Equity capital to assets | 13.2122% | 1,483 |
| Core capital (leverage) ratio | 13.2936% | 1,188 |
| Tier 1 risk-based capital ratio | 16.2672% | 2,306 |
| Total risk-based capital ratio | 17.2983% | 2,333 |
| Memoranda: | ||
| Average total assets | $106,837,670 | 3,944 |
| Average earning assets | $103,307,330 | 3,881 |
| Average equity | $13,857,000 | 3,807 |
| Average total loans | $82,699,330 | 3,599 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 638 |
| Cost of funding earning assets | 0.9379% | 1,849 |
| Net interest margin | 4.4570% | 805 |
| Noninterest income to average assets | 0.4431% | 2,887 |
| Noninterest expense to average assets | 2.8766% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8852% | 470 |
| Return on assets (ROA) | 1.8852% | 488 |
| Pretax return on assets | 1.8852% | 819 |
| Return on Equity (ROE) | 14.6730% | 821 |
| Retained earnings to average equity (ytd only) | 8.2718% | 1,563 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4101% | 3,753 |
| Assets per employee ($millions) | 4.2488% | 3,547 |
| Cash dividends to net income (ytd only)* | 43.6255% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,583 |
| Loan loss allowance to noncurrent loans | 152.4771% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 2,090 |
| Noncurrent loans to loans | 0.6687% | 2,347 |
| Net loans and leases to total assets | 75.9459% | 1,491 |
| Net loans and leases to deposits | 87.6256% | 1,918 |
| Net loans and leases to core deposits | 108.4159% | 1,034 |
| Total domestic deposits to total assets | 86.6709% | 1,976 |
| Equity capital to assets | 13.0391% | 1,433 |
| Core capital (leverage) ratio | 12.9729% | 1,288 |
| Tier 1 risk-based capital ratio | 16.0916% | 2,396 |
| Total risk-based capital ratio | 17.1040% | 2,441 |
| Memoranda: | ||
| Average total assets | $106,514,500 | 3,992 |
| Average earning assets | $103,208,000 | 3,921 |
| Average equity | $13,685,000 | 3,846 |
| Average total loans | $82,196,000 | 3,648 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2916% | 590 |
| Cost of funding earning assets | 0.7140% | 1,999 |
| Net interest margin | 4.5776% | 636 |
| Noninterest income to average assets | 0.4261% | 3,268 |
| Noninterest expense to average assets | 3.0448% | 1,951 |
| Loan and lease loss provision to assets | 0.1795% | 1,097 |
| Net operating income to assets | 1.6285% | 818 |
| Return on assets (ROA) | 1.6127% | 838 |
| Pretax return on assets | 1.6127% | 1,426 |
| Return on Equity (ROE) | 12.5717% | 1,522 |
| Retained earnings to average equity (ytd only) | 6.9586% | 1,686 |
| Net charge-offs to loans | 0.1404% | 1,356 |
| Credit loss provision to net charge-offs | 163.9640% | 1,697 |
| Earnings coverage of net charge-offs (x) | 16.5135% | 2,244 |
| Efficiency ratio | 62.7439% | 3,396 |
| Assets per employee ($millions) | 3.9559% | 3,953 |
| Cash dividends to net income (ytd only)* | 44.6483% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,669 |
| Loan loss allowance to noncurrent loans | 124.0299% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 1,783 |
| Noncurrent loans to loans | 0.8083% | 1,986 |
| Net loans and leases to total assets | 76.8289% | 1,466 |
| Net loans and leases to deposits | 88.2879% | 2,012 |
| Net loans and leases to core deposits | 108.9570% | 1,055 |
| Total domestic deposits to total assets | 87.0209% | 1,776 |
| Equity capital to assets | 12.6580% | 1,509 |
| Core capital (leverage) ratio | 12.5718% | 1,421 |
| Tier 1 risk-based capital ratio | 15.8020% | 2,495 |
| Total risk-based capital ratio | 16.8171% | 2,512 |
| Memoranda: | ||
| Average total assets | $101,384,600 | 4,079 |
| Average earning assets | $98,042,600 | 4,002 |
| Average equity | $13,005,400 | 3,880 |
| Average total loans | $79,039,800 | 3,685 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1508% | 688 |
| Cost of funding earning assets | 0.6409% | 2,199 |
| Net interest margin | 4.5099% | 726 |
| Noninterest income to average assets | 0.4065% | 3,440 |
| Noninterest expense to average assets | 2.9404% | 2,191 |
| Loan and lease loss provision to assets | 0.2053% | 830 |
| Net operating income to assets | 1.6222% | 920 |
| Return on assets (ROA) | 1.6208% | 925 |
| Pretax return on assets | 1.6208% | 1,508 |
| Return on Equity (ROE) | 12.5908% | 1,582 |
| Retained earnings to average equity (ytd only) | 6.9271% | 2,164 |
| Net charge-offs to loans | 0.1896% | 881 |
| Credit loss provision to net charge-offs | 138.7387% | 1,817 |
| Earnings coverage of net charge-offs (x) | 12.3510% | 2,457 |
| Efficiency ratio | 61.6718% | 3,557 |
| Assets per employee ($millions) | 3.9276% | 4,008 |
| Cash dividends to net income (ytd only)* | 44.9839% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,737 |
| Loan loss allowance to noncurrent loans | 107.3529% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9656% | 1,509 |
| Noncurrent loans to loans | 0.9342% | 1,826 |
| Net loans and leases to total assets | 74.7447% | 1,865 |
| Net loans and leases to deposits | 85.5381% | 2,416 |
| Net loans and leases to core deposits | 105.0008% | 1,383 |
| Total domestic deposits to total assets | 87.3818% | 1,553 |
| Equity capital to assets | 12.4730% | 1,608 |
| Core capital (leverage) ratio | 12.5567% | 1,468 |
| Tier 1 risk-based capital ratio | 16.1079% | 2,405 |
| Total risk-based capital ratio | 17.1307% | 2,424 |
| Memoranda: | ||
| Average total assets | $100,028,250 | 4,144 |
| Average earning assets | $96,732,500 | 4,067 |
| Average equity | $12,876,750 | 3,931 |
| Average total loans | $78,076,750 | 3,734 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1022% | 658 |
| Cost of funding earning assets | 0.5425% | 2,672 |
| Net interest margin | 4.5597% | 608 |
| Noninterest income to average assets | 0.4101% | 3,423 |
| Noninterest expense to average assets | 2.9871% | 2,069 |
| Loan and lease loss provision to assets | 0.2489% | 617 |
| Net operating income to assets | 1.5813% | 959 |
| Return on assets (ROA) | 1.5813% | 966 |
| Pretax return on assets | 1.5813% | 1,564 |
| Return on Equity (ROE) | 12.1473% | 1,675 |
| Retained earnings to average equity (ytd only) | 6.4263% | 2,348 |
| Net charge-offs to loans | 0.2868% | 560 |
| Credit loss provision to net charge-offs | 109.9099% | 1,896 |
| Earnings coverage of net charge-offs (x) | 8.0811% | 2,502 |
| Efficiency ratio | 62.0076% | 3,622 |
| Assets per employee ($millions) | 3.7107% | 4,336 |
| Cash dividends to net income (ytd only)* | 47.0968% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 4,048 |
| Loan loss allowance to noncurrent loans | 74.2775% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.2826% | 1,106 |
| Noncurrent loans to loans | 1.2971% | 1,315 |
| Net loans and leases to total assets | 79.1007% | 1,149 |
| Net loans and leases to deposits | 95.3269% | 1,215 |
| Net loans and leases to core deposits | 107.9582% | 1,123 |
| Total domestic deposits to total assets | 82.9783% | 3,414 |
| Equity capital to assets | 12.9095% | 1,341 |
| Core capital (leverage) ratio | 13.3491% | 1,116 |
| Tier 1 risk-based capital ratio | 16.3900% | 2,294 |
| Total risk-based capital ratio | 17.4110% | 2,317 |
| Memoranda: | ||
| Average total assets | $98,022,670 | 4,209 |
| Average earning assets | $94,744,000 | 4,132 |
| Average equity | $12,760,000 | 3,966 |
| Average total loans | $77,413,670 | 3,766 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 759 |
| Cost of funding earning assets | 0.4723% | 3,021 |
| Net interest margin | 4.4893% | 634 |
| Noninterest income to average assets | 0.4291% | 3,251 |
| Noninterest expense to average assets | 2.9998% | 2,062 |
| Loan and lease loss provision to assets | 0.0495% | 2,789 |
| Net operating income to assets | 1.7330% | 638 |
| Return on assets (ROA) | 1.7330% | 648 |
| Pretax return on assets | 1.7330% | 1,035 |
| Return on Equity (ROE) | 13.2565% | 1,197 |
| Retained earnings to average equity (ytd only) | 7.5120% | 2,040 |
| Net charge-offs to loans | 0.0053% | 2,549 |
| Credit loss provision to net charge-offs | 1,200.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 152 |
| Efficiency ratio | 62.7265% | 3,673 |
| Assets per employee ($millions) | 3.5573% | 4,601 |
| Cash dividends to net income (ytd only)* | 43.3333% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,888 |
| Loan loss allowance to noncurrent loans | 58.3207% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3764% | 1,063 |
| Noncurrent loans to loans | 1.7327% | 984 |
| Net loans and leases to total assets | 78.6336% | 1,141 |
| Net loans and leases to deposits | 94.6002% | 1,176 |
| Net loans and leases to core deposits | 103.8829% | 1,382 |
| Total domestic deposits to total assets | 83.1220% | 3,626 |
| Equity capital to assets | 13.2934% | 1,118 |
| Core capital (leverage) ratio | 13.2767% | 1,078 |
| Tier 1 risk-based capital ratio | 16.7221% | 2,203 |
| Total risk-based capital ratio | 17.7779% | 2,217 |
| Memoranda: | ||
| Average total assets | $96,939,000 | 4,270 |
| Average earning assets | $94,000,500 | 4,190 |
| Average equity | $12,673,000 | 4,022 |
| Average total loans | $76,109,500 | 3,835 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 731 |
| Cost of funding earning assets | 0.3756% | 3,463 |
| Net interest margin | 4.5644% | 536 |
| Noninterest income to average assets | 0.4311% | 3,429 |
| Noninterest expense to average assets | 2.8412% | 2,642 |
| Loan and lease loss provision to assets | 0.0782% | 2,635 |
| Net operating income to assets | 1.9420% | 317 |
| Return on assets (ROA) | 1.9420% | 322 |
| Pretax return on assets | 1.9420% | 554 |
| Return on Equity (ROE) | 15.1603% | 587 |
| Retained earnings to average equity (ytd only) | 8.5617% | 599 |
| Net charge-offs to loans | 0.2387% | 1,090 |
| Credit loss provision to net charge-offs | 41.8079% | 3,425 |
| Earnings coverage of net charge-offs (x) | 10.8023% | 2,631 |
| Efficiency ratio | 58.4438% | 4,475 |
| Assets per employee ($millions) | 3.3734% | 4,855 |
| Cash dividends to net income (ytd only)* | 43.5256% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,938 |
| Loan loss allowance to noncurrent loans | 58.2375% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3339% | 1,079 |
| Noncurrent loans to loans | 1.7189% | 942 |
| Net loans and leases to total assets | 76.8292% | 1,456 |
| Net loans and leases to deposits | 88.4748% | 1,960 |
| Net loans and leases to core deposits | 96.4444% | 1,991 |
| Total domestic deposits to total assets | 86.8374% | 2,071 |
| Equity capital to assets | 12.8570% | 1,336 |
| Core capital (leverage) ratio | 12.8763% | 1,187 |
| Tier 1 risk-based capital ratio | 16.5052% | 2,264 |
| Total risk-based capital ratio | 17.5538% | 2,270 |
| Memoranda: | ||
| Average total assets | $94,644,400 | 4,332 |
| Average earning assets | $91,862,400 | 4,244 |
| Average equity | $12,123,800 | 4,119 |
| Average total loans | $74,143,400 | 3,864 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 754 |
| Cost of funding earning assets | 0.3673% | 3,488 |
| Net interest margin | 4.5363% | 557 |
| Noninterest income to average assets | 0.4205% | 3,560 |
| Noninterest expense to average assets | 2.6965% | 3,077 |
| Loan and lease loss provision to assets | 0.0696% | 2,683 |
| Net operating income to assets | 2.0586% | 286 |
| Return on assets (ROA) | 2.0586% | 291 |
| Pretax return on assets | 2.0586% | 485 |
| Return on Equity (ROE) | 16.0858% | 523 |
| Retained earnings to average equity (ytd only) | 9.4250% | 727 |
| Net charge-offs to loans | 0.3148% | 665 |
| Credit loss provision to net charge-offs | 28.1609% | 3,096 |
| Earnings coverage of net charge-offs (x) | 8.6093% | 2,761 |
| Efficiency ratio | 55.8893% | 4,758 |
| Assets per employee ($millions) | 3.8022% | 4,308 |
| Cash dividends to net income (ytd only)* | 41.4079% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 4,247 |
| Loan loss allowance to noncurrent loans | 43.1327% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.7308% | 823 |
| Noncurrent loans to loans | 2.2450% | 721 |
| Net loans and leases to total assets | 76.3484% | 1,527 |
| Net loans and leases to deposits | 87.5539% | 2,124 |
| Net loans and leases to core deposits | 94.4417% | 2,227 |
| Total domestic deposits to total assets | 87.2016% | 1,772 |
| Equity capital to assets | 12.5890% | 1,610 |
| Core capital (leverage) ratio | 12.7811% | 1,303 |
| Tier 1 risk-based capital ratio | 16.5087% | 2,324 |
| Total risk-based capital ratio | 17.5350% | 2,341 |
| Memoranda: | ||
| Average total assets | $93,848,000 | 4,387 |
| Average earning assets | $91,115,500 | 4,305 |
| Average equity | $12,010,250 | 4,177 |
| Average total loans | $73,698,750 | 3,913 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8392% | 792 |
| Cost of funding earning assets | 0.3621% | 3,459 |
| Net interest margin | 4.4771% | 597 |
| Noninterest income to average assets | 0.4274% | 3,507 |
| Noninterest expense to average assets | 2.7251% | 2,997 |
| Loan and lease loss provision to assets | 0.0260% | 3,479 |
| Net operating income to assets | 2.0222% | 295 |
| Return on assets (ROA) | 2.0222% | 304 |
| Pretax return on assets | 2.0222% | 511 |
| Return on Equity (ROE) | 15.7096% | 564 |
| Retained earnings to average equity (ytd only) | 8.9673% | 851 |
| Net charge-offs to loans | -0.0110% | 4,569 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0909% | 4,697 |
| Assets per employee ($millions) | 3.8529% | 4,194 |
| Cash dividends to net income (ytd only)* | 42.9185% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 3,130 |
| Loan loss allowance to noncurrent loans | 64.4428% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.4751% | 1,047 |
| Noncurrent loans to loans | 1.8332% | 973 |
| Net loans and leases to total assets | 79.5123% | 1,024 |
| Net loans and leases to deposits | 92.3414% | 1,449 |
| Net loans and leases to core deposits | 99.2294% | 1,704 |
| Total domestic deposits to total assets | 86.1068% | 2,331 |
| Equity capital to assets | 13.1264% | 1,313 |
| Core capital (leverage) ratio | 13.0475% | 1,161 |
| Tier 1 risk-based capital ratio | 15.7772% | 2,589 |
| Total risk-based capital ratio | 16.9639% | 2,552 |
| Memoranda: | ||
| Average total assets | $92,178,670 | 4,459 |
| Average earning assets | $89,477,670 | 4,370 |
| Average equity | $11,865,330 | 4,209 |
| Average total loans | $72,860,670 | 3,951 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 990 |
| Cost of funding earning assets | 0.3448% | 3,588 |
| Net interest margin | 4.3258% | 735 |
| Noninterest income to average assets | 0.4651% | 3,222 |
| Noninterest expense to average assets | 2.7121% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9515% | 329 |
| Return on assets (ROA) | 1.9515% | 345 |
| Pretax return on assets | 1.9515% | 557 |
| Return on Equity (ROE) | 15.3125% | 609 |
| Retained earnings to average equity (ytd only) | 8.4918% | 1,277 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1547% | 4,698 |
| Assets per employee ($millions) | 3.5720% | 4,680 |
| Cash dividends to net income (ytd only)* | 44.5434% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 3,126 |
| Loan loss allowance to noncurrent loans | 73.8238% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 1,363 |
| Noncurrent loans to loans | 1.6278% | 1,196 |
| Net loans and leases to total assets | 76.3974% | 1,346 |
| Net loans and leases to deposits | 87.7824% | 1,829 |
| Net loans and leases to core deposits | 94.9851% | 1,896 |
| Total domestic deposits to total assets | 87.0304% | 2,201 |
| Equity capital to assets | 12.7672% | 1,370 |
| Core capital (leverage) ratio | 12.8917% | 1,187 |
| Tier 1 risk-based capital ratio | 15.6093% | 2,710 |
| Total risk-based capital ratio | 16.7903% | 2,668 |
| Memoranda: | ||
| Average total assets | $92,033,000 | 4,500 |
| Average earning assets | $89,323,500 | 4,412 |
| Average equity | $11,729,000 | 4,263 |
| Average total loans | $72,089,000 | 4,000 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 1,385 |
| Cost of funding earning assets | 0.3583% | 3,431 |
| Net interest margin | 4.2001% | 1,116 |
| Noninterest income to average assets | 0.4639% | 3,459 |
| Noninterest expense to average assets | 2.7216% | 3,274 |
| Loan and lease loss provision to assets | 0.1994% | 1,164 |
| Net operating income to assets | 1.6309% | 635 |
| Return on assets (ROA) | 1.6309% | 660 |
| Pretax return on assets | 1.6309% | 1,188 |
| Return on Equity (ROE) | 12.6068% | 1,089 |
| Retained earnings to average equity (ytd only) | 5.5414% | 1,991 |
| Net charge-offs to loans | 0.0016% | 4,227 |
| Credit loss provision to net charge-offs | 17,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 1,606.0000% | 33 |
| Efficiency ratio | 59.7897% | 4,617 |
| Assets per employee ($millions) | 3.7998% | 4,314 |
| Cash dividends to net income (ytd only)* | 56.0447% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 3,163 |
| Loan loss allowance to noncurrent loans | 71.9766% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.3148% | 1,332 |
| Noncurrent loans to loans | 1.6569% | 1,169 |
| Net loans and leases to total assets | 78.4045% | 1,145 |
| Net loans and leases to deposits | 90.1288% | 1,667 |
| Net loans and leases to core deposits | 95.1646% | 1,994 |
| Total domestic deposits to total assets | 86.9916% | 2,150 |
| Equity capital to assets | 12.7211% | 1,387 |
| Core capital (leverage) ratio | 12.7765% | 1,221 |
| Tier 1 risk-based capital ratio | 15.5602% | 2,721 |
| Total risk-based capital ratio | 16.7630% | 2,673 |
| Memoranda: | ||
| Average total assets | $87,743,800 | 4,589 |
| Average earning assets | $85,402,000 | 4,489 |
| Average equity | $11,351,000 | 4,366 |
| Average total loans | $64,259,800 | 4,173 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 1,477 |
| Cost of funding earning assets | 0.3640% | 3,399 |
| Net interest margin | 4.1564% | 1,237 |
| Noninterest income to average assets | 0.4404% | 3,626 |
| Noninterest expense to average assets | 2.7531% | 3,169 |
| Loan and lease loss provision to assets | 0.0107% | 4,027 |
| Net operating income to assets | 1.7249% | 570 |
| Return on assets (ROA) | 1.7249% | 601 |
| Pretax return on assets | 1.7249% | 1,050 |
| Return on Equity (ROE) | 13.2757% | 974 |
| Retained earnings to average equity (ytd only) | 6.1654% | 2,081 |
| Net charge-offs to loans | -0.0086% | 4,730 |
| Credit loss provision to net charge-offs | -175.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3333% | 4,331 |
| Assets per employee ($millions) | 3.6982% | 4,478 |
| Cash dividends to net income (ytd only)* | 53.5589% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 4,008 |
| Loan loss allowance to noncurrent loans | 53.6398% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 1.4703% | 1,231 |
| Noncurrent loans to loans | 1.9987% | 986 |
| Net loans and leases to total assets | 72.7748% | 2,050 |
| Net loans and leases to deposits | 83.9239% | 2,491 |
| Net loans and leases to core deposits | 90.2905% | 2,551 |
| Total domestic deposits to total assets | 86.7153% | 2,024 |
| Equity capital to assets | 13.0335% | 1,474 |
| Core capital (leverage) ratio | 13.0355% | 1,178 |
| Tier 1 risk-based capital ratio | 17.0241% | 2,217 |
| Total risk-based capital ratio | 18.1098% | 2,230 |
| Memoranda: | ||
| Average total assets | $86,881,000 | 4,636 |
| Average earning assets | $84,623,250 | 4,538 |
| Average equity | $11,288,500 | 4,415 |
| Average total loans | $62,233,750 | 4,250 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 1,559 |
| Cost of funding earning assets | 0.3641% | 3,412 |
| Net interest margin | 4.1214% | 1,318 |
| Noninterest income to average assets | 0.3895% | 3,956 |
| Noninterest expense to average assets | 2.7523% | 3,186 |
| Loan and lease loss provision to assets | 0.0162% | 3,786 |
| Net operating income to assets | 1.6370% | 663 |
| Return on assets (ROA) | 1.6370% | 704 |
| Pretax return on assets | 1.6370% | 1,264 |
| Return on Equity (ROE) | 12.6124% | 1,130 |
| Retained earnings to average equity (ytd only) | 5.4487% | 2,451 |
| Net charge-offs to loans | 0.0098% | 3,366 |
| Credit loss provision to net charge-offs | 233.3333% | 1,163 |
| Earnings coverage of net charge-offs (x) | 237.6667% | 277 |
| Efficiency ratio | 62.4737% | 4,271 |
| Assets per employee ($millions) | 3.5740% | 4,643 |
| Cash dividends to net income (ytd only)* | 56.7989% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 3,786 |
| Loan loss allowance to noncurrent loans | 49.2888% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 1.7021% | 1,053 |
| Noncurrent loans to loans | 2.2914% | 799 |
| Net loans and leases to total assets | 70.7261% | 2,362 |
| Net loans and leases to deposits | 81.7491% | 2,739 |
| Net loans and leases to core deposits | 91.4085% | 2,395 |
| Total domestic deposits to total assets | 86.5160% | 2,162 |
| Equity capital to assets | 13.2671% | 1,343 |
| Core capital (leverage) ratio | 13.1158% | 1,113 |
| Tier 1 risk-based capital ratio | 17.8186% | 1,985 |
| Total risk-based capital ratio | 18.9658% | 1,968 |
| Memoranda: | ||
| Average total assets | $86,256,000 | 4,689 |
| Average earning assets | $84,050,000 | 4,586 |
| Average equity | $11,195,330 | 4,456 |
| Average total loans | $61,214,330 | 4,306 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 1,819 |
| Cost of funding earning assets | 0.3606% | 3,495 |
| Net interest margin | 4.0327% | 1,525 |
| Noninterest income to average assets | 0.3422% | 4,279 |
| Noninterest expense to average assets | 2.7331% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5400% | 793 |
| Return on assets (ROA) | 1.5400% | 833 |
| Pretax return on assets | 1.5400% | 1,469 |
| Return on Equity (ROE) | 11.9968% | 1,317 |
| Retained earnings to average equity (ytd only) | 4.7915% | 3,071 |
| Net charge-offs to loans | -0.0131% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9610% | 4,131 |
| Assets per employee ($millions) | 3.3944% | 4,984 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,840 |
| Loan loss allowance to noncurrent loans | 71.5026% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 1,817 |
| Noncurrent loans to loans | 1.5932% | 1,457 |
| Net loans and leases to total assets | 70.5641% | 2,259 |
| Net loans and leases to deposits | 81.5082% | 2,604 |
| Net loans and leases to core deposits | 91.8884% | 2,193 |
| Total domestic deposits to total assets | 86.5730% | 2,419 |
| Equity capital to assets | 13.1972% | 1,320 |
| Core capital (leverage) ratio | 13.0163% | 1,153 |
| Tier 1 risk-based capital ratio | 17.8346% | 2,031 |
| Total risk-based capital ratio | 18.9910% | 2,020 |
| Memoranda: | ||
| Average total assets | $86,496,000 | 4,723 |
| Average earning assets | $84,310,000 | 4,613 |
| Average equity | $11,103,000 | 4,483 |
| Average total loans | $61,142,000 | 4,339 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7741% | 968 |
| Cost of funding earning assets | 0.3742% | 3,435 |
| Net interest margin | 4.3999% | 793 |
| Noninterest income to average assets | 0.4113% | 3,942 |
| Noninterest expense to average assets | 2.7856% | 3,297 |
| Loan and lease loss provision to assets | 0.0433% | 3,465 |
| Net operating income to assets | 1.8679% | 429 |
| Return on assets (ROA) | 1.8679% | 437 |
| Pretax return on assets | 1.8679% | 697 |
| Return on Equity (ROE) | 14.6228% | 745 |
| Retained earnings to average equity (ytd only) | 7.9846% | 924 |
| Net charge-offs to loans | 0.0063% | 4,232 |
| Credit loss provision to net charge-offs | 900.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 397.2500% | 164 |
| Efficiency ratio | 59.3086% | 4,993 |
| Assets per employee ($millions) | 3.6722% | 4,525 |
| Cash dividends to net income (ytd only)* | 45.3960% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,957 |
| Loan loss allowance to noncurrent loans | 70.7392% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1664% | 1,864 |
| Noncurrent loans to loans | 1.5782% | 1,456 |
| Net loans and leases to total assets | 69.2419% | 2,494 |
| Net loans and leases to deposits | 79.3914% | 2,898 |
| Net loans and leases to core deposits | 93.4733% | 2,091 |
| Total domestic deposits to total assets | 87.2159% | 2,026 |
| Equity capital to assets | 12.4891% | 1,634 |
| Core capital (leverage) ratio | 12.6510% | 1,285 |
| Tier 1 risk-based capital ratio | 17.5968% | 2,092 |
| Total risk-based capital ratio | 18.7501% | 2,073 |
| Memoranda: | ||
| Average total assets | $83,141,600 | 4,806 |
| Average earning assets | $80,979,400 | 4,692 |
| Average equity | $10,620,400 | 4,550 |
| Average total loans | $63,389,000 | 4,279 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 804 |
| Cost of funding earning assets | 0.3810% | 3,423 |
| Net interest margin | 4.4974% | 655 |
| Noninterest income to average assets | 0.4070% | 4,038 |
| Noninterest expense to average assets | 2.8947% | 2,866 |
| Loan and lease loss provision to assets | 0.0586% | 3,014 |
| Net operating income to assets | 1.8349% | 481 |
| Return on assets (ROA) | 1.8349% | 503 |
| Pretax return on assets | 1.8349% | 832 |
| Return on Equity (ROE) | 14.2785% | 847 |
| Retained earnings to average equity (ytd only) | 8.8560% | 954 |
| Net charge-offs to loans | 0.0125% | 3,735 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 193.8288% | 372 |
| Efficiency ratio | 60.4556% | 4,821 |
| Assets per employee ($millions) | 3.5470% | 4,704 |
| Cash dividends to net income (ytd only)* | 37.9767% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 4,316 |
| Loan loss allowance to noncurrent loans | 66.3127% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 1,827 |
| Noncurrent loans to loans | 1.6356% | 1,507 |
| Net loans and leases to total assets | 73.5989% | 1,803 |
| Net loans and leases to deposits | 84.6504% | 2,323 |
| Net loans and leases to core deposits | 100.5650% | 1,468 |
| Total domestic deposits to total assets | 86.9445% | 2,070 |
| Equity capital to assets | 12.7865% | 1,573 |
| Core capital (leverage) ratio | 12.5713% | 1,372 |
| Tier 1 risk-based capital ratio | 17.1904% | 2,298 |
| Total risk-based capital ratio | 18.3295% | 2,296 |
| Memoranda: | ||
| Average total assets | $81,893,750 | 4,886 |
| Average earning assets | $79,777,750 | 4,784 |
| Average equity | $10,523,750 | 4,618 |
| Average total loans | $63,807,750 | 4,311 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 689 |
| Cost of funding earning assets | 0.3815% | 3,469 |
| Net interest margin | 4.5446% | 582 |
| Noninterest income to average assets | 0.3960% | 4,101 |
| Noninterest expense to average assets | 2.9648% | 2,666 |
| Loan and lease loss provision to assets | 0.0817% | 2,477 |
| Net operating income to assets | 1.7719% | 542 |
| Return on assets (ROA) | 1.7719% | 571 |
| Pretax return on assets | 1.7719% | 936 |
| Return on Equity (ROE) | 13.7648% | 949 |
| Retained earnings to average equity (ytd only) | 8.2858% | 1,151 |
| Net charge-offs to loans | 0.0375% | 2,932 |
| Credit loss provision to net charge-offs | 275.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 62.4167% | 821 |
| Efficiency ratio | 61.5306% | 4,752 |
| Assets per employee ($millions) | 3.4491% | 4,893 |
| Cash dividends to net income (ytd only)* | 39.8045% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,648 |
| Loan loss allowance to noncurrent loans | 57.4576% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.5849% | 1,526 |
| Noncurrent loans to loans | 1.8128% | 1,410 |
| Net loans and leases to total assets | 77.8156% | 1,093 |
| Net loans and leases to deposits | 89.4367% | 1,665 |
| Net loans and leases to core deposits | 107.7588% | 970 |
| Total domestic deposits to total assets | 87.0064% | 2,167 |
| Equity capital to assets | 12.7979% | 1,494 |
| Core capital (leverage) ratio | 12.5962% | 1,334 |
| Tier 1 risk-based capital ratio | 16.5251% | 2,596 |
| Total risk-based capital ratio | 17.6338% | 2,622 |
| Memoranda: | ||
| Average total assets | $80,815,330 | 4,959 |
| Average earning assets | $78,643,000 | 4,855 |
| Average equity | $10,403,330 | 4,668 |
| Average total loans | $63,963,330 | 4,339 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8175% | 831 |
| Cost of funding earning assets | 0.3860% | 3,454 |
| Net interest margin | 4.4315% | 684 |
| Noninterest income to average assets | 0.3557% | 4,352 |
| Noninterest expense to average assets | 2.9211% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7486% | 531 |
| Return on assets (ROA) | 1.7486% | 564 |
| Pretax return on assets | 1.7486% | 956 |
| Return on Equity (ROE) | 13.5429% | 966 |
| Retained earnings to average equity (ytd only) | 7.9938% | 1,576 |
| Net charge-offs to loans | -0.0189% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5536% | 4,696 |
| Assets per employee ($millions) | 3.1326% | 5,504 |
| Cash dividends to net income (ytd only)* | 40.9742% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 4,852 |
| Loan loss allowance to noncurrent loans | 94.5559% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 2,536 |
| Noncurrent loans to loans | 1.0924% | 2,577 |
| Net loans and leases to total assets | 77.6407% | 975 |
| Net loans and leases to deposits | 89.2345% | 1,474 |
| Net loans and leases to core deposits | 109.2989% | 782 |
| Total domestic deposits to total assets | 87.0075% | 2,363 |
| Equity capital to assets | 12.8010% | 1,513 |
| Core capital (leverage) ratio | 12.9326% | 1,179 |
| Tier 1 risk-based capital ratio | 16.4810% | 2,689 |
| Total risk-based capital ratio | 17.5901% | 2,702 |
| Memoranda: | ||
| Average total assets | $79,833,500 | 5,024 |
| Average earning assets | $77,716,500 | 4,926 |
| Average equity | $10,308,000 | 4,720 |
| Average total loans | $63,398,500 | 4,383 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0102% | 751 |
| Cost of funding earning assets | 0.3792% | 3,919 |
| Net interest margin | 4.6310% | 587 |
| Noninterest income to average assets | 0.4740% | 3,683 |
| Noninterest expense to average assets | 3.0706% | 2,622 |
| Loan and lease loss provision to assets | 0.0672% | 3,151 |
| Net operating income to assets | 1.8224% | 456 |
| Return on assets (ROA) | 1.8224% | 474 |
| Pretax return on assets | 1.8224% | 756 |
| Return on Equity (ROE) | 14.1742% | 909 |
| Retained earnings to average equity (ytd only) | 8.3366% | 893 |
| Net charge-offs to loans | -0.0017% | 5,366 |
| Credit loss provision to net charge-offs | -5,100.0000% | 6,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9060% | 4,931 |
| Assets per employee ($millions) | 3.0085% | 5,685 |
| Cash dividends to net income (ytd only)* | 41.1850% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 4,837 |
| Loan loss allowance to noncurrent loans | 120.1465% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 2,981 |
| Noncurrent loans to loans | 0.8680% | 3,145 |
| Net loans and leases to total assets | 79.5768% | 800 |
| Net loans and leases to deposits | 91.8000% | 1,309 |
| Net loans and leases to core deposits | 97.5306% | 1,589 |
| Total domestic deposits to total assets | 86.6850% | 2,462 |
| Equity capital to assets | 13.0274% | 1,358 |
| Core capital (leverage) ratio | 12.5514% | 1,333 |
| Tier 1 risk-based capital ratio | 16.8670% | 2,566 |
| Total risk-based capital ratio | 18.0187% | 2,564 |
| Memoranda: | ||
| Average total assets | $75,945,600 | 5,154 |
| Average earning assets | $73,569,400 | 5,050 |
| Average equity | $9,764,200 | 4,799 |
| Average total loans | $58,283,000 | 4,540 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 876 |
| Cost of funding earning assets | 0.3784% | 4,038 |
| Net interest margin | 4.5505% | 684 |
| Noninterest income to average assets | 0.4475% | 3,909 |
| Noninterest expense to average assets | 3.0265% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8237% | 494 |
| Return on assets (ROA) | 1.8237% | 508 |
| Pretax return on assets | 1.8237% | 847 |
| Return on Equity (ROE) | 14.2334% | 944 |
| Retained earnings to average equity (ytd only) | 8.9597% | 1,022 |
| Net charge-offs to loans | -0.0537% | 5,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3997% | 4,827 |
| Assets per employee ($millions) | 3.0662% | 5,653 |
| Cash dividends to net income (ytd only)* | 37.0514% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 5,061 |
| Loan loss allowance to noncurrent loans | 110.7774% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 3,011 |
| Noncurrent loans to loans | 0.9323% | 3,230 |
| Net loans and leases to total assets | 75.3704% | 1,312 |
| Net loans and leases to deposits | 86.4049% | 1,863 |
| Net loans and leases to core deposits | 92.6581% | 1,981 |
| Total domestic deposits to total assets | 87.2292% | 2,180 |
| Equity capital to assets | 12.5588% | 1,659 |
| Core capital (leverage) ratio | 12.6303% | 1,338 |
| Tier 1 risk-based capital ratio | 16.8017% | 2,690 |
| Total risk-based capital ratio | 17.9342% | 2,691 |
| Memoranda: | ||
| Average total assets | $75,377,000 | 5,220 |
| Average earning assets | $72,927,750 | 5,123 |
| Average equity | $9,657,750 | 4,860 |
| Average total loans | $57,128,500 | 4,622 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 955 |
| Cost of funding earning assets | 0.3751% | 4,160 |
| Net interest margin | 4.4983% | 708 |
| Noninterest income to average assets | 0.4545% | 3,834 |
| Noninterest expense to average assets | 3.0732% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7287% | 548 |
| Return on assets (ROA) | 1.7287% | 579 |
| Pretax return on assets | 1.7287% | 966 |
| Return on Equity (ROE) | 13.3967% | 1,075 |
| Retained earnings to average equity (ytd only) | 8.0506% | 1,311 |
| Net charge-offs to loans | -0.0465% | 5,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0000% | 4,689 |
| Assets per employee ($millions) | 2.8218% | 6,002 |
| Cash dividends to net income (ytd only)* | 39.9061% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 5,064 |
| Loan loss allowance to noncurrent loans | 106.5630% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 2,904 |
| Noncurrent loans to loans | 0.9963% | 3,243 |
| Net loans and leases to total assets | 78.3704% | 864 |
| Net loans and leases to deposits | 90.5010% | 1,323 |
| Net loans and leases to core deposits | 95.6912% | 1,631 |
| Total domestic deposits to total assets | 86.5962% | 2,703 |
| Equity capital to assets | 13.2675% | 1,237 |
| Core capital (leverage) ratio | 13.0536% | 1,137 |
| Tier 1 risk-based capital ratio | 16.9000% | 2,663 |
| Total risk-based capital ratio | 18.0527% | 2,670 |
| Memoranda: | ||
| Average total assets | $73,929,000 | 5,291 |
| Average earning assets | $71,449,000 | 5,195 |
| Average equity | $9,539,670 | 4,904 |
| Average total loans | $55,933,670 | 4,695 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,495 |
| Cost of funding earning assets | 0.3731% | 4,277 |
| Net interest margin | 4.2318% | 1,138 |
| Noninterest income to average assets | 0.4043% | 4,153 |
| Noninterest expense to average assets | 3.0562% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4445% | 908 |
| Return on assets (ROA) | 1.4445% | 940 |
| Pretax return on assets | 1.4445% | 1,596 |
| Return on Equity (ROE) | 11.3529% | 1,585 |
| Retained earnings to average equity (ytd only) | 11.3529% | 695 |
| Net charge-offs to loans | -0.0656% | 5,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9042% | 4,199 |
| Assets per employee ($millions) | 2.8657% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,026 |
| Loan loss allowance to noncurrent loans | 102.8523% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0858% | 3,084 |
| Noncurrent loans to loans | 1.0893% | 3,239 |
| Net loans and leases to total assets | 72.6087% | 1,476 |
| Net loans and leases to deposits | 83.4915% | 1,878 |
| Net loans and leases to core deposits | 87.6610% | 2,135 |
| Total domestic deposits to total assets | 86.9653% | 2,831 |
| Equity capital to assets | 12.8817% | 1,366 |
| Core capital (leverage) ratio | 12.7463% | 1,275 |
| Tier 1 risk-based capital ratio | 14.9483% | 3,737 |
| Total risk-based capital ratio | 15.9742% | 3,824 |
| Memoranda: | ||
| Average total assets | $74,210,000 | 5,333 |
| Average earning assets | $71,837,500 | 5,231 |
| Average equity | $9,442,500 | 4,953 |
| Average total loans | $54,843,000 | 4,762 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9044% | 1,086 |
| Cost of funding earning assets | 0.4162% | 4,469 |
| Net interest margin | 4.4882% | 751 |
| Noninterest income to average assets | 0.5635% | 3,305 |
| Noninterest expense to average assets | 3.0970% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8004% | 483 |
| Return on assets (ROA) | 1.7963% | 502 |
| Pretax return on assets | 1.7963% | 765 |
| Return on Equity (ROE) | 14.6720% | 815 |
| Retained earnings to average equity (ytd only) | 6.7981% | 1,528 |
| Net charge-offs to loans | 0.0489% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 49.1111% | 807 |
| Efficiency ratio | 63.2381% | 5,018 |
| Assets per employee ($millions) | 2.8427% | 6,053 |
| Cash dividends to net income (ytd only)* | 53.6659% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 5,156 |
| Loan loss allowance to noncurrent loans | 105.5944% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 3,274 |
| Noncurrent loans to loans | 1.0405% | 3,432 |
| Net loans and leases to total assets | 73.5601% | 1,426 |
| Net loans and leases to deposits | 84.4423% | 1,872 |
| Net loans and leases to core deposits | 88.9152% | 2,142 |
| Total domestic deposits to total assets | 87.1129% | 2,666 |
| Equity capital to assets | 12.5651% | 1,483 |
| Core capital (leverage) ratio | 12.5812% | 1,317 |
| Tier 1 risk-based capital ratio | 16.7991% | 2,711 |
| Total risk-based capital ratio | 17.9599% | 2,709 |
| Memoranda: | ||
| Average total assets | $73,652,200 | 5,384 |
| Average earning assets | $71,119,200 | 5,277 |
| Average equity | $9,017,200 | 5,075 |
| Average total loans | $55,231,600 | 4,775 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 1,155 |
| Cost of funding earning assets | 0.4245% | 4,560 |
| Net interest margin | 4.4608% | 788 |
| Noninterest income to average assets | 0.5508% | 3,451 |
| Noninterest expense to average assets | 2.9497% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9043% | 432 |
| Return on assets (ROA) | 1.8988% | 445 |
| Pretax return on assets | 1.8988% | 712 |
| Return on Equity (ROE) | 15.6127% | 695 |
| Retained earnings to average equity (ytd only) | 6.9423% | 1,908 |
| Net charge-offs to loans | 0.0820% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 30.9133% | 1,217 |
| Efficiency ratio | 60.7689% | 5,312 |
| Assets per employee ($millions) | 2.8169% | 6,129 |
| Cash dividends to net income (ytd only)* | 55.5342% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 5,393 |
| Loan loss allowance to noncurrent loans | 71.7548% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 2,804 |
| Noncurrent loans to loans | 1.5095% | 2,904 |
| Net loans and leases to total assets | 74.4388% | 1,221 |
| Net loans and leases to deposits | 85.2859% | 1,708 |
| Net loans and leases to core deposits | 90.5827% | 1,919 |
| Total domestic deposits to total assets | 87.2815% | 2,516 |
| Equity capital to assets | 12.5423% | 1,558 |
| Core capital (leverage) ratio | 12.4668% | 1,440 |
| Tier 1 risk-based capital ratio | 16.1699% | 3,096 |
| Total risk-based capital ratio | 17.3018% | 3,127 |
| Memoranda: | ||
| Average total assets | $73,587,500 | 5,439 |
| Average earning assets | $70,987,000 | 5,339 |
| Average equity | $8,949,750 | 5,149 |
| Average total loans | $55,296,250 | 4,816 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 1,226 |
| Cost of funding earning assets | 0.4298% | 4,665 |
| Net interest margin | 4.4161% | 824 |
| Noninterest income to average assets | 0.4342% | 4,286 |
| Noninterest expense to average assets | 2.9252% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7747% | 547 |
| Return on assets (ROA) | 1.7665% | 591 |
| Pretax return on assets | 1.7665% | 985 |
| Return on Equity (ROE) | 14.6770% | 874 |
| Retained earnings to average equity (ytd only) | 4.4189% | 3,461 |
| Net charge-offs to loans | 0.0650% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 994 |
| Efficiency ratio | 62.2402% | 5,139 |
| Assets per employee ($millions) | 2.8485% | 6,099 |
| Cash dividends to net income (ytd only)* | 69.8925% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,444 |
| Loan loss allowance to noncurrent loans | 75.1225% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.5910% | 2,727 |
| Noncurrent loans to loans | 1.4645% | 3,113 |
| Net loans and leases to total assets | 77.3802% | 817 |
| Net loans and leases to deposits | 88.6729% | 1,269 |
| Net loans and leases to core deposits | 92.9774% | 1,612 |
| Total domestic deposits to total assets | 87.2648% | 2,682 |
| Equity capital to assets | 12.5414% | 1,551 |
| Core capital (leverage) ratio | 12.0394% | 1,592 |
| Tier 1 risk-based capital ratio | 15.6406% | 3,402 |
| Total risk-based capital ratio | 16.7972% | 3,408 |
| Memoranda: | ||
| Average total assets | $73,703,330 | 5,468 |
| Average earning assets | $71,193,670 | 5,358 |
| Average equity | $8,871,000 | 5,204 |
| Average total loans | $55,356,330 | 4,834 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 1,550 |
| Cost of funding earning assets | 0.4147% | 4,966 |
| Net interest margin | 4.2795% | 1,006 |
| Noninterest income to average assets | 0.3309% | 5,053 |
| Noninterest expense to average assets | 2.8659% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5958% | 714 |
| Return on assets (ROA) | 1.5958% | 776 |
| Pretax return on assets | 1.5958% | 1,313 |
| Return on Equity (ROE) | 13.5279% | 1,050 |
| Retained earnings to average equity (ytd only) | -1.3121% | 5,996 |
| Net charge-offs to loans | -0.0362% | 5,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2344% | 4,974 |
| Assets per employee ($millions) | 2.8996% | 6,150 |
| Cash dividends to net income (ytd only)* | 109.6990% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,398 |
| Loan loss allowance to noncurrent loans | 57.4526% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.8822% | 2,497 |
| Noncurrent loans to loans | 2.0052% | 2,612 |
| Net loans and leases to total assets | 72.3846% | 1,296 |
| Net loans and leases to deposits | 82.1207% | 1,811 |
| Net loans and leases to core deposits | 83.2190% | 2,432 |
| Total domestic deposits to total assets | 88.1442% | 2,229 |
| Equity capital to assets | 11.7152% | 2,246 |
| Core capital (leverage) ratio | 11.6156% | 1,805 |
| Tier 1 risk-based capital ratio | 15.4613% | 3,547 |
| Total risk-based capital ratio | 16.6753% | 3,535 |
| Memoranda: | ||
| Average total assets | $74,949,000 | 5,487 |
| Average earning assets | $72,345,000 | 5,378 |
| Average equity | $8,841,000 | 5,258 |
| Average total loans | $55,176,000 | 4,882 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 1,536 |
| Cost of funding earning assets | 0.5514% | 4,802 |
| Net interest margin | 4.4581% | 1,026 |
| Noninterest income to average assets | 0.6030% | 3,261 |
| Noninterest expense to average assets | 3.0925% | 2,949 |
| Loan and lease loss provision to assets | 0.1349% | 3,939 |
| Net operating income to assets | 1.6713% | 655 |
| Return on assets (ROA) | 1.6713% | 733 |
| Pretax return on assets | 1.6713% | 1,207 |
| Return on Equity (ROE) | 14.0940% | 974 |
| Retained earnings to average equity (ytd only) | 8.7599% | 892 |
| Net charge-offs to loans | 0.1848% | 3,907 |
| Credit loss provision to net charge-offs | 96.9697% | 3,202 |
| Earnings coverage of net charge-offs (x) | 12.9798% | 1,876 |
| Efficiency ratio | 63.1277% | 5,056 |
| Assets per employee ($millions) | 2.9804% | 6,041 |
| Cash dividends to net income (ytd only)* | 37.8469% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 5,370 |
| Loan loss allowance to noncurrent loans | 56.6936% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.2145% | 2,211 |
| Noncurrent loans to loans | 2.0183% | 2,678 |
| Net loans and leases to total assets | 73.1657% | 1,313 |
| Net loans and leases to deposits | 83.2990% | 1,840 |
| Net loans and leases to core deposits | 84.4291% | 2,497 |
| Total domestic deposits to total assets | 87.8350% | 2,325 |
| Equity capital to assets | 11.8778% | 2,126 |
| Core capital (leverage) ratio | 11.6190% | 1,792 |
| Tier 1 risk-based capital ratio | 15.8265% | 3,257 |
| Total risk-based capital ratio | 17.0561% | 3,220 |
| Memoranda: | ||
| Average total assets | $71,140,200 | 5,599 |
| Average earning assets | $68,550,000 | 5,480 |
| Average equity | $8,436,200 | 5,377 |
| Average total loans | $53,581,000 | 4,959 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 1,637 |
| Cost of funding earning assets | 0.5790% | 4,844 |
| Net interest margin | 4.4427% | 1,110 |
| Noninterest income to average assets | 0.6145% | 3,191 |
| Noninterest expense to average assets | 3.0612% | 3,012 |
| Loan and lease loss provision to assets | 0.1821% | 3,317 |
| Net operating income to assets | 1.6501% | 761 |
| Return on assets (ROA) | 1.6501% | 841 |
| Pretax return on assets | 1.6501% | 1,410 |
| Return on Equity (ROE) | 13.9206% | 1,126 |
| Retained earnings to average equity (ytd only) | 8.5284% | 1,402 |
| Net charge-offs to loans | 0.2206% | 3,405 |
| Credit loss provision to net charge-offs | 109.0909% | 2,690 |
| Earnings coverage of net charge-offs (x) | 10.9773% | 2,129 |
| Efficiency ratio | 62.5581% | 5,064 |
| Assets per employee ($millions) | 2.9219% | 6,181 |
| Cash dividends to net income (ytd only)* | 38.7355% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,358 |
| Loan loss allowance to noncurrent loans | 58.2049% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.3286% | 2,283 |
| Noncurrent loans to loans | 2.0314% | 2,810 |
| Net loans and leases to total assets | 73.4541% | 1,327 |
| Net loans and leases to deposits | 83.5334% | 1,924 |
| Net loans and leases to core deposits | 84.8249% | 2,602 |
| Total domestic deposits to total assets | 87.9338% | 2,083 |
| Equity capital to assets | 11.8280% | 2,410 |
| Core capital (leverage) ratio | 11.7085% | 1,836 |
| Tier 1 risk-based capital ratio | 15.8474% | 3,351 |
| Total risk-based capital ratio | 17.0974% | 3,322 |
| Memoranda: | ||
| Average total assets | $70,298,000 | 5,685 |
| Average earning assets | $67,705,000 | 5,563 |
| Average equity | $8,332,750 | 5,464 |
| Average total loans | $53,189,750 | 5,024 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 1,639 |
| Cost of funding earning assets | 0.5945% | 4,946 |
| Net interest margin | 4.4634% | 1,056 |
| Noninterest income to average assets | 0.5881% | 3,333 |
| Noninterest expense to average assets | 3.0584% | 3,055 |
| Loan and lease loss provision to assets | 0.2767% | 2,374 |
| Net operating income to assets | 1.5595% | 897 |
| Return on assets (ROA) | 1.5595% | 1,003 |
| Pretax return on assets | 1.5595% | 1,670 |
| Return on Equity (ROE) | 13.1465% | 1,325 |
| Retained earnings to average equity (ytd only) | 7.6789% | 1,773 |
| Net charge-offs to loans | 0.3484% | 2,624 |
| Credit loss provision to net charge-offs | 104.3478% | 2,611 |
| Earnings coverage of net charge-offs (x) | 6.9239% | 2,560 |
| Efficiency ratio | 62.4853% | 5,169 |
| Assets per employee ($millions) | 2.7771% | 6,441 |
| Cash dividends to net income (ytd only)* | 41.5896% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 5,329 |
| Loan loss allowance to noncurrent loans | 57.3741% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.7136% | 2,030 |
| Noncurrent loans to loans | 2.1009% | 2,823 |
| Net loans and leases to total assets | 75.3183% | 1,060 |
| Net loans and leases to deposits | 85.9472% | 1,607 |
| Net loans and leases to core deposits | 87.2042% | 2,291 |
| Total domestic deposits to total assets | 87.6332% | 2,374 |
| Equity capital to assets | 12.1118% | 2,061 |
| Core capital (leverage) ratio | 11.8846% | 1,662 |
| Tier 1 risk-based capital ratio | 15.3374% | 3,548 |
| Total risk-based capital ratio | 16.5921% | 3,504 |
| Memoranda: | ||
| Average total assets | $69,381,670 | 5,747 |
| Average earning assets | $66,944,330 | 5,618 |
| Average equity | $8,230,330 | 5,507 |
| Average total loans | $52,820,330 | 5,067 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 1,719 |
| Cost of funding earning assets | 0.6141% | 5,015 |
| Net interest margin | 4.4361% | 1,150 |
| Noninterest income to average assets | 0.5767% | 3,363 |
| Noninterest expense to average assets | 3.0508% | 3,079 |
| Loan and lease loss provision to assets | 0.3460% | 1,806 |
| Net operating income to assets | 1.4706% | 1,082 |
| Return on assets (ROA) | 1.4706% | 1,210 |
| Pretax return on assets | 1.4706% | 1,962 |
| Return on Equity (ROE) | 12.5292% | 1,524 |
| Retained earnings to average equity (ytd only) | 7.0262% | 2,430 |
| Net charge-offs to loans | 0.3715% | 2,198 |
| Credit loss provision to net charge-offs | 122.4490% | 1,949 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 2,211 |
| Efficiency ratio | 62.6777% | 5,157 |
| Assets per employee ($millions) | 2.7335% | 6,595 |
| Cash dividends to net income (ytd only)* | 43.9216% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 5,390 |
| Loan loss allowance to noncurrent loans | 37.5655% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 2.9618% | 1,955 |
| Noncurrent loans to loans | 3.2535% | 1,968 |
| Net loans and leases to total assets | 76.2822% | 771 |
| Net loans and leases to deposits | 86.9251% | 1,302 |
| Net loans and leases to core deposits | 88.2137% | 2,026 |
| Total domestic deposits to total assets | 87.7563% | 2,493 |
| Equity capital to assets | 12.0081% | 2,034 |
| Core capital (leverage) ratio | 11.7239% | 1,751 |
| Tier 1 risk-based capital ratio | 15.9042% | 3,220 |
| Total risk-based capital ratio | 17.1545% | 3,190 |
| Memoranda: | ||
| Average total assets | $69,358,500 | 5,793 |
| Average earning assets | $67,086,000 | 5,658 |
| Average equity | $8,141,000 | 5,551 |
| Average total loans | $52,765,500 | 5,114 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 2,005 |
| Cost of funding earning assets | 0.7952% | 4,907 |
| Net interest margin | 4.4200% | 1,345 |
| Noninterest income to average assets | 0.1449% | 6,424 |
| Noninterest expense to average assets | 3.0628% | 3,346 |
| Loan and lease loss provision to assets | 0.2283% | 3,915 |
| Net operating income to assets | 1.0917% | 1,867 |
| Return on assets (ROA) | 1.0917% | 1,982 |
| Pretax return on assets | 1.0917% | 2,869 |
| Return on Equity (ROE) | 9.6295% | 2,197 |
| Retained earnings to average equity (ytd only) | 5.1762% | 2,523 |
| Net charge-offs to loans | 0.4389% | 3,243 |
| Credit loss provision to net charge-offs | 68.4211% | 4,911 |
| Earnings coverage of net charge-offs (x) | 3.9561% | 3,324 |
| Efficiency ratio | 69.8831% | 3,984 |
| Assets per employee ($millions) | 2.8152% | 6,436 |
| Cash dividends to net income (ytd only)* | 46.2466% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 5,379 |
| Loan loss allowance to noncurrent loans | 40.1012% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 2.4780% | 2,453 |
| Noncurrent loans to loans | 2.9968% | 2,169 |
| Net loans and leases to total assets | 74.0594% | 1,263 |
| Net loans and leases to deposits | 83.8840% | 1,941 |
| Net loans and leases to core deposits | 84.5892% | 2,806 |
| Total domestic deposits to total assets | 88.2879% | 1,975 |
| Equity capital to assets | 11.4749% | 2,526 |
| Core capital (leverage) ratio | 11.2619% | 2,073 |
| Tier 1 risk-based capital ratio | 15.4326% | 3,374 |
| Total risk-based capital ratio | 16.6833% | 3,325 |
| Memoranda: | ||
| Average total assets | $68,335,400 | 5,799 |
| Average earning assets | $65,520,200 | 5,682 |
| Average equity | $7,747,000 | 5,647 |
| Average total loans | $51,949,000 | 5,194 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2357% | 2,076 |
| Cost of funding earning assets | 0.8329% | 4,920 |
| Net interest margin | 4.4029% | 1,401 |
| Noninterest income to average assets | 0.0845% | 6,820 |
| Noninterest expense to average assets | 3.0608% | 3,317 |
| Loan and lease loss provision to assets | 0.3067% | 3,079 |
| Net operating income to assets | 0.9259% | 2,644 |
| Return on assets (ROA) | 0.9259% | 2,790 |
| Pretax return on assets | 0.9259% | 3,669 |
| Return on Equity (ROE) | 8.1931% | 2,969 |
| Retained earnings to average equity (ytd only) | 3.3747% | 4,328 |
| Net charge-offs to loans | 0.5952% | 2,475 |
| Credit loss provision to net charge-offs | 67.5325% | 4,560 |
| Earnings coverage of net charge-offs (x) | 2.7143% | 3,771 |
| Efficiency ratio | 71.2912% | 3,690 |
| Assets per employee ($millions) | 2.8196% | 6,450 |
| Cash dividends to net income (ytd only)* | 58.8108% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 5,457 |
| Loan loss allowance to noncurrent loans | 43.4873% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 2.8018% | 2,321 |
| Noncurrent loans to loans | 2.7651% | 2,519 |
| Net loans and leases to total assets | 73.5484% | 1,403 |
| Net loans and leases to deposits | 83.0596% | 2,164 |
| Net loans and leases to core deposits | 84.2378% | 3,025 |
| Total domestic deposits to total assets | 88.5489% | 1,725 |
| Equity capital to assets | 11.2099% | 2,956 |
| Core capital (leverage) ratio | 11.0624% | 2,337 |
| Tier 1 risk-based capital ratio | 15.0086% | 3,655 |
| Total risk-based capital ratio | 16.2594% | 3,624 |
| Memoranda: | ||
| Average total assets | $67,824,250 | 5,844 |
| Average earning assets | $64,835,000 | 5,748 |
| Average equity | $7,664,750 | 5,700 |
| Average total loans | $51,747,000 | 5,243 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2339% | 2,128 |
| Cost of funding earning assets | 0.8640% | 4,955 |
| Net interest margin | 4.3699% | 1,462 |
| Noninterest income to average assets | 0.3137% | 5,391 |
| Noninterest expense to average assets | 3.0866% | 3,301 |
| Loan and lease loss provision to assets | 0.4661% | 2,118 |
| Net operating income to assets | 0.9472% | 2,448 |
| Return on assets (ROA) | 0.9472% | 2,540 |
| Pretax return on assets | 0.9472% | 3,444 |
| Return on Equity (ROE) | 8.3579% | 2,782 |
| Retained earnings to average equity (ytd only) | 3.4275% | 4,079 |
| Net charge-offs to loans | 0.9087% | 1,715 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 2.0214% | 3,852 |
| Efficiency ratio | 68.5923% | 4,408 |
| Assets per employee ($millions) | 2.6682% | 6,681 |
| Cash dividends to net income (ytd only)* | 58.9905% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 5,495 |
| Loan loss allowance to noncurrent loans | 43.1023% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 3.1902% | 2,106 |
| Noncurrent loans to loans | 2.8140% | 2,584 |
| Net loans and leases to total assets | 76.6794% | 970 |
| Net loans and leases to deposits | 87.0029% | 1,645 |
| Net loans and leases to core deposits | 88.3113% | 2,597 |
| Total domestic deposits to total assets | 88.1343% | 2,052 |
| Equity capital to assets | 11.6183% | 2,396 |
| Core capital (leverage) ratio | 11.4626% | 1,936 |
| Tier 1 risk-based capital ratio | 15.0330% | 3,477 |
| Total risk-based capital ratio | 16.2846% | 3,448 |
| Memoranda: | ||
| Average total assets | $66,935,330 | 5,928 |
| Average earning assets | $64,121,000 | 5,823 |
| Average equity | $7,585,670 | 5,734 |
| Average total loans | $51,504,000 | 5,302 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 2,389 |
| Cost of funding earning assets | 0.8826% | 5,047 |
| Net interest margin | 4.2764% | 1,637 |
| Noninterest income to average assets | 0.2685% | 5,750 |
| Noninterest expense to average assets | 3.0663% | 3,401 |
| Loan and lease loss provision to assets | 0.9306% | 851 |
| Net operating income to assets | 0.3758% | 5,045 |
| Return on assets (ROA) | 0.3758% | 5,127 |
| Pretax return on assets | 0.3758% | 5,413 |
| Return on Equity (ROE) | 3.3584% | 5,211 |
| Retained earnings to average equity (ytd only) | -2.6121% | 6,239 |
| Net charge-offs to loans | 1.8144% | 714 |
| Credit loss provision to net charge-offs | 66.9528% | 3,406 |
| Earnings coverage of net charge-offs (x) | 0.9399% | 3,946 |
| Efficiency ratio | 70.1228% | 4,239 |
| Assets per employee ($millions) | 2.6567% | 6,762 |
| Cash dividends to net income (ytd only)* | 177.7778% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 5,583 |
| Loan loss allowance to noncurrent loans | 36.4215% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 3.3846% | 2,016 |
| Noncurrent loans to loans | 3.3222% | 2,260 |
| Net loans and leases to total assets | 77.3194% | 825 |
| Net loans and leases to deposits | 87.3650% | 1,538 |
| Net loans and leases to core deposits | 88.6744% | 2,520 |
| Total domestic deposits to total assets | 88.5016% | 2,074 |
| Equity capital to assets | 11.2575% | 2,448 |
| Core capital (leverage) ratio | 11.1222% | 2,099 |
| Tier 1 risk-based capital ratio | 14.4010% | 3,807 |
| Total risk-based capital ratio | 15.6519% | 3,764 |
| Memoranda: | ||
| Average total assets | $67,050,500 | 5,966 |
| Average earning assets | $64,353,000 | 5,845 |
| Average equity | $7,503,500 | 5,774 |
| Average total loans | $51,367,500 | 5,350 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8909% | 1,065 |
| Cost of funding earning assets | 1.1138% | 5,061 |
| Net interest margin | 4.7771% | 691 |
| Noninterest income to average assets | 0.4034% | 4,886 |
| Noninterest expense to average assets | 3.4070% | 2,421 |
| Loan and lease loss provision to assets | 0.0563% | 6,578 |
| Net operating income to assets | 1.3671% | 1,016 |
| Return on assets (ROA) | 1.3671% | 1,088 |
| Pretax return on assets | 1.3671% | 1,743 |
| Return on Equity (ROE) | 12.2317% | 1,273 |
| Retained earnings to average equity (ytd only) | 6.9195% | 1,355 |
| Net charge-offs to loans | 0.1866% | 5,186 |
| Credit loss provision to net charge-offs | 37.0000% | 6,425 |
| Earnings coverage of net charge-offs (x) | 9.3500% | 1,836 |
| Efficiency ratio | 70.5326% | 4,067 |
| Assets per employee ($millions) | 2.7073% | 6,671 |
| Cash dividends to net income (ytd only)* | 43.4298% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 4,559 |
| Loan loss allowance to noncurrent loans | 55.2426% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.4881% | 2,782 |
| Noncurrent loans to loans | 2.5181% | 3,011 |
| Net loans and leases to total assets | 73.9418% | 1,674 |
| Net loans and leases to deposits | 83.4030% | 2,550 |
| Net loans and leases to core deposits | 84.6244% | 3,503 |
| Total domestic deposits to total assets | 88.6559% | 1,853 |
| Equity capital to assets | 11.1254% | 2,573 |
| Core capital (leverage) ratio | 11.0896% | 2,093 |
| Tier 1 risk-based capital ratio | 15.0237% | 3,239 |
| Total risk-based capital ratio | 16.2762% | 3,190 |
| Memoranda: | ||
| Average total assets | $65,687,400 | 6,013 |
| Average earning assets | $60,874,000 | 5,964 |
| Average equity | $7,341,600 | 5,920 |
| Average total loans | $53,602,800 | 5,336 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0338% | 873 |
| Cost of funding earning assets | 1.1631% | 5,073 |
| Net interest margin | 4.8707% | 583 |
| Noninterest income to average assets | 0.4275% | 4,742 |
| Noninterest expense to average assets | 3.2991% | 2,576 |
| Loan and lease loss provision to assets | 0.0757% | 6,293 |
| Net operating income to assets | 1.5238% | 877 |
| Return on assets (ROA) | 1.5238% | 958 |
| Pretax return on assets | 1.5238% | 1,550 |
| Return on Equity (ROE) | 13.6172% | 1,117 |
| Retained earnings to average equity (ytd only) | 8.6822% | 1,168 |
| Net charge-offs to loans | 0.2627% | 4,375 |
| Credit loss provision to net charge-offs | 34.5794% | 6,097 |
| Earnings coverage of net charge-offs (x) | 7.3086% | 2,356 |
| Efficiency ratio | 67.3486% | 4,597 |
| Assets per employee ($millions) | 2.6707% | 6,821 |
| Cash dividends to net income (ytd only)* | 36.2415% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,944 |
| Loan loss allowance to noncurrent loans | 50.2155% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 3.1722% | 2,267 |
| Noncurrent loans to loans | 2.5968% | 3,025 |
| Net loans and leases to total assets | 79.2371% | 858 |
| Net loans and leases to deposits | 89.5996% | 1,772 |
| Net loans and leases to core deposits | 90.9302% | 2,965 |
| Total domestic deposits to total assets | 88.4346% | 1,709 |
| Equity capital to assets | 11.3333% | 2,673 |
| Core capital (leverage) ratio | 11.1045% | 2,187 |
| Tier 1 risk-based capital ratio | 14.5346% | 3,494 |
| Total risk-based capital ratio | 15.7886% | 3,457 |
| Memoranda: | ||
| Average total assets | $65,188,500 | 6,092 |
| Average earning assets | $59,839,000 | 6,067 |
| Average equity | $7,294,500 | 6,016 |
| Average total loans | $54,315,500 | 5,374 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0654% | 819 |
| Cost of funding earning assets | 1.1922% | 5,171 |
| Net interest margin | 4.8732% | 569 |
| Noninterest income to average assets | 0.4021% | 4,897 |
| Noninterest expense to average assets | 3.3157% | 2,513 |
| Loan and lease loss provision to assets | 0.1144% | 5,760 |
| Net operating income to assets | 1.4475% | 996 |
| Return on assets (ROA) | 1.4475% | 1,064 |
| Pretax return on assets | 1.4475% | 1,704 |
| Return on Equity (ROE) | 12.9934% | 1,241 |
| Retained earnings to average equity (ytd only) | 7.9959% | 1,440 |
| Net charge-offs to loans | 0.2346% | 4,200 |
| Credit loss provision to net charge-offs | 57.8125% | 5,258 |
| Earnings coverage of net charge-offs (x) | 7.8906% | 2,218 |
| Efficiency ratio | 67.9772% | 4,588 |
| Assets per employee ($millions) | 2.6094% | 6,937 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 4,625 |
| Loan loss allowance to noncurrent loans | 79.2735% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 2.4235% | 2,966 |
| Noncurrent loans to loans | 1.7157% | 4,114 |
| Net loans and leases to total assets | 82.4882% | 484 |
| Net loans and leases to deposits | 93.2423% | 1,375 |
| Net loans and leases to core deposits | 94.6561% | 2,628 |
| Total domestic deposits to total assets | 88.4665% | 1,749 |
| Equity capital to assets | 11.2790% | 2,610 |
| Core capital (leverage) ratio | 11.0876% | 2,177 |
| Tier 1 risk-based capital ratio | 14.1595% | 3,625 |
| Total risk-based capital ratio | 15.4142% | 3,584 |
| Memoranda: | ||
| Average total assets | $64,662,000 | 6,153 |
| Average earning assets | $59,385,670 | 6,120 |
| Average equity | $7,203,670 | 6,067 |
| Average total loans | $54,552,670 | 5,396 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9263% | 1,140 |
| Cost of funding earning assets | 1.2227% | 5,269 |
| Net interest margin | 4.7036% | 777 |
| Noninterest income to average assets | 0.4847% | 4,161 |
| Noninterest expense to average assets | 3.3056% | 2,516 |
| Loan and lease loss provision to assets | 0.2299% | 4,202 |
| Net operating income to assets | 1.3235% | 1,239 |
| Return on assets (ROA) | 1.3235% | 1,313 |
| Pretax return on assets | 1.3235% | 1,987 |
| Return on Equity (ROE) | 11.9554% | 1,512 |
| Retained earnings to average equity (ytd only) | 11.9554% | 752 |
| Net charge-offs to loans | 0.5206% | 2,505 |
| Credit loss provision to net charge-offs | 52.1127% | 4,449 |
| Earnings coverage of net charge-offs (x) | 3.5211% | 2,883 |
| Efficiency ratio | 68.0307% | 4,717 |
| Assets per employee ($millions) | 2.5704% | 7,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 4,733 |
| Loan loss allowance to noncurrent loans | 71.4981% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 2.1631% | 3,316 |
| Noncurrent loans to loans | 1.8744% | 3,963 |
| Net loans and leases to total assets | 84.2032% | 353 |
| Net loans and leases to deposits | 95.1668% | 1,207 |
| Net loans and leases to core deposits | 96.3239% | 2,551 |
| Total domestic deposits to total assets | 88.4796% | 1,804 |
| Equity capital to assets | 11.2667% | 2,525 |
| Core capital (leverage) ratio | 11.3312% | 2,017 |
| Tier 1 risk-based capital ratio | 14.1573% | 3,560 |
| Total risk-based capital ratio | 15.4113% | 3,527 |
| Memoranda: | ||
| Average total assets | $64,375,000 | 6,227 |
| Average earning assets | $59,869,000 | 6,176 |
| Average equity | $7,126,500 | 6,146 |
| Average total loans | $54,552,000 | 5,471 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3502% | 935 |
| Cost of funding earning assets | 1.4754% | 5,610 |
| Net interest margin | 4.8748% | 591 |
| Noninterest income to average assets | 0.4042% | 5,170 |
| Noninterest expense to average assets | 3.4479% | 2,533 |
| Loan and lease loss provision to assets | 0.9018% | 2,493 |
| Net operating income to assets | 0.6570% | 3,110 |
| Return on assets (ROA) | 0.6570% | 3,162 |
| Pretax return on assets | 0.6570% | 3,718 |
| Return on Equity (ROE) | 5.8690% | 3,266 |
| Retained earnings to average equity (ytd only) | 1.1220% | 4,262 |
| Net charge-offs to loans | 0.4255% | 4,090 |
| Credit loss provision to net charge-offs | 241.3793% | 1,476 |
| Earnings coverage of net charge-offs (x) | 4.1724% | 3,031 |
| Efficiency ratio | 68.8646% | 4,852 |
| Assets per employee ($millions) | 2.5796% | 7,072 |
| Cash dividends to net income (ytd only)* | 80.8824% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 4,136 |
| Loan loss allowance to noncurrent loans | 72.2066% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.7198% | 2,571 |
| Noncurrent loans to loans | 1.9628% | 3,709 |
| Net loans and leases to total assets | 82.9446% | 553 |
| Net loans and leases to deposits | 93.4536% | 1,669 |
| Net loans and leases to core deposits | 107.1942% | 3,190 |
| Total domestic deposits to total assets | 88.7548% | 1,597 |
| Equity capital to assets | 10.8746% | 2,797 |
| Core capital (leverage) ratio | 10.8818% | 2,290 |
| Tier 1 risk-based capital ratio | 13.7202% | 3,672 |
| Total risk-based capital ratio | 14.9744% | 3,611 |
| Memoranda: | ||
| Average total assets | $62,096,200 | 6,268 |
| Average earning assets | $58,628,000 | 6,194 |
| Average equity | $6,951,800 | 6,286 |
| Average total loans | $54,518,200 | 5,483 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4836% | 775 |
| Cost of funding earning assets | 1.5247% | 5,733 |
| Net interest margin | 4.9588% | 486 |
| Noninterest income to average assets | 0.3642% | 5,590 |
| Noninterest expense to average assets | 3.5881% | 2,050 |
| Loan and lease loss provision to assets | 1.1252% | 1,740 |
| Net operating income to assets | 0.3187% | 4,726 |
| Return on assets (ROA) | 0.3187% | 4,833 |
| Pretax return on assets | 0.3187% | 5,010 |
| Return on Equity (ROE) | 2.8256% | 4,867 |
| Retained earnings to average equity (ytd only) | -1.9413% | 5,713 |
| Net charge-offs to loans | 0.3933% | 3,696 |
| Credit loss provision to net charge-offs | 322.3602% | 1,274 |
| Earnings coverage of net charge-offs (x) | 4.1367% | 3,245 |
| Efficiency ratio | 71.3055% | 4,366 |
| Assets per employee ($millions) | 2.4790% | 7,261 |
| Cash dividends to net income (ytd only)* | 168.7041% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 3,664 |
| Loan loss allowance to noncurrent loans | 60.5303% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 2.7527% | 2,527 |
| Noncurrent loans to loans | 2.4056% | 3,131 |
| Net loans and leases to total assets | 87.2513% | 254 |
| Net loans and leases to deposits | 98.4937% | 1,265 |
| Net loans and leases to core deposits | 110.1348% | 3,219 |
| Total domestic deposits to total assets | 88.5857% | 1,397 |
| Equity capital to assets | 11.0577% | 2,965 |
| Core capital (leverage) ratio | 10.8664% | 2,511 |
| Tier 1 risk-based capital ratio | 13.5031% | 3,846 |
| Total risk-based capital ratio | 14.7579% | 3,777 |
| Memoranda: | ||
| Average total assets | $61,497,750 | 6,335 |
| Average earning assets | $57,888,500 | 6,257 |
| Average equity | $6,936,500 | 6,340 |
| Average total loans | $54,582,750 | 5,537 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5495% | 730 |
| Cost of funding earning assets | 1.5708% | 5,837 |
| Net interest margin | 4.9787% | 456 |
| Noninterest income to average assets | 0.3717% | 5,538 |
| Noninterest expense to average assets | 3.5312% | 2,244 |
| Loan and lease loss provision to assets | 0.4695% | 3,175 |
| Net operating income to assets | 1.0630% | 1,906 |
| Return on assets (ROA) | 1.0630% | 1,979 |
| Pretax return on assets | 1.0630% | 2,761 |
| Return on Equity (ROE) | 9.3620% | 2,231 |
| Retained earnings to average equity (ytd only) | 4.6236% | 2,722 |
| Net charge-offs to loans | 0.0881% | 5,315 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 19.5833% | 1,359 |
| Efficiency ratio | 69.7360% | 4,836 |
| Assets per employee ($millions) | 2.4662% | 7,312 |
| Cash dividends to net income (ytd only)* | 50.6135% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 5,947 |
| Loan loss allowance to noncurrent loans | 52.4299% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.4475% | 2,635 |
| Noncurrent loans to loans | 1.9919% | 3,536 |
| Net loans and leases to total assets | 86.2155% | 361 |
| Net loans and leases to deposits | 97.7169% | 1,563 |
| Net loans and leases to core deposits | 108.7611% | 3,519 |
| Total domestic deposits to total assets | 88.2299% | 1,657 |
| Equity capital to assets | 11.4733% | 2,554 |
| Core capital (leverage) ratio | 11.3629% | 2,158 |
| Tier 1 risk-based capital ratio | 14.0508% | 3,487 |
| Total risk-based capital ratio | 15.2052% | 3,479 |
| Memoranda: | ||
| Average total assets | $61,338,670 | 6,400 |
| Average earning assets | $57,806,330 | 6,324 |
| Average equity | $6,964,330 | 6,382 |
| Average total loans | $54,486,000 | 5,581 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9496% | 2,566 |
| Cost of funding earning assets | 1.5925% | 6,063 |
| Net interest margin | 4.3570% | 1,450 |
| Noninterest income to average assets | 0.4577% | 4,702 |
| Noninterest expense to average assets | 3.4521% | 2,228 |
| Loan and lease loss provision to assets | 0.2419% | 4,045 |
| Net operating income to assets | 0.8957% | 2,719 |
| Return on assets (ROA) | 0.8957% | 2,871 |
| Pretax return on assets | 0.8957% | 3,733 |
| Return on Equity (ROE) | 7.9311% | 3,177 |
| Retained earnings to average equity (ytd only) | 3.1261% | 4,134 |
| Net charge-offs to loans | 0.0729% | 4,458 |
| Credit loss provision to net charge-offs | 370.0000% | 1,385 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 1,512 |
| Efficiency ratio | 75.2137% | 3,615 |
| Assets per employee ($millions) | 2.4779% | 7,326 |
| Cash dividends to net income (ytd only)* | 60.5839% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 6,902 |
| Loan loss allowance to noncurrent loans | 22.7737% | 7,030 |
| Noncurrent assets plus other real estate owned to assets | 3.6951% | 1,432 |
| Noncurrent loans to loans | 3.7887% | 1,626 |
| Net loans and leases to total assets | 86.8032% | 354 |
| Net loans and leases to deposits | 98.0221% | 1,664 |
| Net loans and leases to core deposits | 111.3776% | 3,274 |
| Total domestic deposits to total assets | 88.5547% | 1,456 |
| Equity capital to assets | 11.2241% | 2,791 |
| Core capital (leverage) ratio | 11.3316% | 2,257 |
| Tier 1 risk-based capital ratio | 13.5315% | 3,844 |
| Total risk-based capital ratio | 14.4819% | 3,954 |
| Memoranda: | ||
| Average total assets | $61,180,000 | 6,433 |
| Average earning assets | $58,021,000 | 6,340 |
| Average equity | $6,909,500 | 6,443 |
| Average total loans | $54,870,000 | 5,596 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0549% | 1,000 |
| Cost of funding earning assets | 2.1195% | 5,968 |
| Net interest margin | 4.9354% | 588 |
| Noninterest income to average assets | 0.4732% | 4,852 |
| Noninterest expense to average assets | 3.5303% | 2,316 |
| Loan and lease loss provision to assets | 0.4372% | 3,103 |
| Net operating income to assets | 1.2208% | 1,711 |
| Return on assets (ROA) | 1.2208% | 1,653 |
| Pretax return on assets | 1.2208% | 2,578 |
| Return on Equity (ROE) | 10.1956% | 2,188 |
| Retained earnings to average equity (ytd only) | -9.2791% | 6,999 |
| Net charge-offs to loans | 0.2926% | 3,442 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 6.3203% | 3,384 |
| Efficiency ratio | 68.0436% | 4,716 |
| Assets per employee ($millions) | 2.4165% | 7,371 |
| Cash dividends to net income (ytd only)* | 191.0112% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 7,127 |
| Loan loss allowance to noncurrent loans | 24.1247% | 7,051 |
| Noncurrent assets plus other real estate owned to assets | 3.3387% | 1,354 |
| Noncurrent loans to loans | 3.2937% | 1,579 |
| Net loans and leases to total assets | 91.1377% | 124 |
| Net loans and leases to deposits | 104.2942% | 1,313 |
| Net loans and leases to core deposits | 120.2030% | 2,670 |
| Total domestic deposits to total assets | 87.3852% | 1,761 |
| Equity capital to assets | 11.3651% | 2,736 |
| Core capital (leverage) ratio | 11.6004% | 2,191 |
| Tier 1 risk-based capital ratio | 13.2966% | 3,932 |
| Total risk-based capital ratio | 14.1858% | 4,068 |
| Memoranda: | ||
| Average total assets | $58,324,400 | 6,437 |
| Average earning assets | $55,719,800 | 6,347 |
| Average equity | $6,983,400 | 6,460 |
| Average total loans | $52,284,400 | 5,607 |